A free property appraisal that shows the true discount

·4 min read
The free appraisal runs every cost, the transfer tax and the Red Team stress tests on figures you supply, with no account and nothing tracked. It deliberately does not return a Deal Score. Scoring runs Seller Protection and the motivation diagnostics, which need answers about a person nobody has spoken to — so the appraisal gives you the buyer-side arithmetic it can compute honestly, and withholds the one number it cannot.

Most free property calculators are a lead-capture form with arithmetic attached: you get a reassuring number and they get your email and a tracking cookie. The free appraisal here is the opposite transaction. It runs the real engine — the same one behind every Deal Room — on figures you type in, returns the working, and asks for nothing. No account, no sign-up, and nothing tracked.

What does it actually compute?

The buyer-side arithmetic, in full. It takes the price, the works, the finished value and the finance, and returns the true discount against open market value, the transfer tax at the rate the buyer's circumstances attract, the costs across the hold, and the deal's behaviour under the Red Team stresses. These are figures that depend only on what you supply, so the engine can compute them honestly without knowing anything about a seller.

What the appraisal returns, and what it withholds
True discount to value
Returned — every pound deployed against open market value
Transfer tax
Returned — at the buyer's own rate, including the additional dwelling surcharge
Costs and after-tax profit
Returned — the full buyer-side arithmetic
Red Team resilience
Returned — how the figures hold under stress
Deal Score
Withheld — it needs answers about a person nobody has spoken to

Why does it not return a Deal Score?

Because an honest Deal Score cannot be computed from the buyer's side alone. Scoring runs Seller Protection and the motivation diagnostics, and both need answers about the seller — their situation, their reason to move, whether they are in a position to give free and informed consent. Nobody has spoken to that person, so those answers do not exist, and a score computed as though they did would be inventing the most important inputs. The appraisal returns the arithmetic it can stand behind and says, plainly, why the score is not among it.

That refusal is the feature. A tool that handed you a Deal Score from four numbers and no seller would be faking exactly the part that matters, and the honest version is the one that tells you where its own knowledge stops.

Why is nothing tracked?

Because the appraisal is not a funnel. The deal lives in the query string rather than in an account, and the page is deliberately kept off the analytics route allowlist, so no pixel sees the figures you entered. You can run it, close the tab, and leave no trace — which is the correct default for a tool that exists to give you a straight answer rather than to capture you.

What it is good for

  • Pricing a purchase before you negotiate, so the true discount is known rather than guessed.
  • Seeing the transfer tax at your own rate, including the additional dwelling surcharge a company pays from the first pound.
  • Checking whether a deal survives the Red Team stresses before you commit cash to it.
  • Getting a straight answer without handing over an email or picking up a cookie.

The appraisal gives away the engine because the engine is not the moat — the discipline around it is. A number you can trust, computed the same way as the paid product, with the one figure it cannot honestly produce left out and explained, is a better advertisement for the platform than any figure it could have faked.

Common questions

Do I need an account to use the appraisal?
No. There is no sign-up and nothing to create. The deal lives in the query string, the page is kept off the analytics allowlist, and you can run it and close the tab leaving no trace.
Why is there no Deal Score at the end?
Because a Deal Score runs Seller Protection and the motivation diagnostics, which need answers about a seller nobody has spoken to. Rather than invent those inputs, the appraisal returns the buyer-side arithmetic it can compute honestly and says why the score is withheld.
Is the free version a weaker engine?
No. It is the same engine that produces every Deal Room, run on the figures you supply. The difference is not the maths but the inputs — the appraisal has your numbers and no seller, so it returns what those numbers can honestly support.

Sources

  • Stamp Duty Land Tax rates

    The bands and rates in force, and the reliefs that alter them. Published by HM Revenue & Customs; the link goes to their site rather than to the document, because a deep link into guidance is a slug that changes without notice.

  • Higher rates for additional dwellings

    The surcharge on a second residential property, and that a company pays it from the first pound. Published by HM Revenue & Customs; the link goes to their site rather than to the document, because a deep link into guidance is a slug that changes without notice.

  • Corporation Tax rates and reliefs

    The main rate, the small profits rate and marginal relief between them. Published by HM Revenue & Customs; the link goes to their site rather than to the document, because a deep link into guidance is a slug that changes without notice.

  • Price Paid Data

    Every registered residential sale in England and Wales since 1995. Published by HM Land Registry; the link goes to their site rather than to the document, because a deep link into guidance is a slug that changes without notice.

Terms used on this page

true discount
Total money deployed measured against open market value, rather than the headline discount on the purchase price.
Deal Score
A 0-100 score computed from nine weighted components, always on profit after tax, never before it.
additional dwelling surcharge
Extra transfer tax charged when the buyer already owns another property, or is buying through a company.
seller protection
Checks that can stop a transaction outright where a seller may not be able to give free and informed consent.
Red Team
Nine stress scenarios run against every deal, with single-factor losses treated more seriously than compound ones.

Related reading

Where to next

The appraisal is the same engine that produces the Deal Room, run on figures the user supplies.

Figures are screening estimates, not advice. Tax figures require professional review.