How to Track Your Home and Property in SimpliHome

Your home is probably the largest financial asset you'll ever own. Yet most households track it with a spreadsheet, a folder of documents, and a rough idea of what they paid for it five years ago.

SimpliHome's property management section gives you a complete picture: current estimated value, mortgage details, payment history, and all your property documents in one place.

#Adding Your Property

Go to Houses (or Property) in the navigation. If you haven't added a property yet, click Add House.

Basic property details:

• Address — full property address
• Property type — detached, semi-detached, terraced, flat, etc.
• Number of bedrooms and bathrooms
• Purchase price — what you paid for it (or your best estimate)
• Purchase date

Once saved, SimpliHome will attempt to:

1. Fetch a property image from available sources
2. Look up Land Registry sold price data for the property and surrounding area
3. Retrieve a Zoopla valuation estimate if available

These happen in the background — within a few minutes, your property listing will have an image, historical price data, and a current valuation estimate.

#Property Valuations

SimpliHome uses Zoopla's valuation data to give you an ongoing estimate of your property's value.

What you'll see:

• Current estimated value — Zoopla's current estimate
• Valuation history — a chart of value over time as estimates are updated
• Equity calculation — current estimated value minus outstanding mortgage

Valuations update periodically as Zoopla updates their data. Over time, you'll see how your property's value has moved — useful context for remortgage decisions, extending, or planning a sale.

#Land Registry Data

SimpliHome also pulls Land Registry sold price data for comparable properties near yours. This gives you context for how similar homes in your area have sold, providing a market reality check alongside the Zoopla estimate.

#Tracking Your Mortgage

Go to the Mortgage or Payments section within your property record.

Add your mortgage details:

• Lender — your mortgage provider
• Mortgage type — repayment, interest-only, tracker, fixed rate
• Current outstanding balance
• Monthly payment amount
• Interest rate
• Mortgage end date — when your current deal expires (important for remortgage planning)

#Logging Payments

Each time a mortgage payment is made, you can log it in SimpliHome. Over time, this builds a complete payment history and shows how your outstanding balance is reducing.

To log a payment:

1. Open your property record
2. Go to Payments
3. Click Add Payment
4. Enter the date, amount, and whether it was a standard payment or overpayment

Why track payments?

• Know exactly how much you've paid overall
• See how overpayments are accelerating payoff
• Have a record if you ever need to dispute a missed payment with your lender

#Mortgage Renewal Reminder

Add your mortgage deal end date and SimpliHome will remind you as it approaches. This is important — a fixed rate that expires quietly often rolls onto a much higher standard variable rate, which can add hundreds per month to your payments.

#Uploading Property Documents

The documents section of your property record is where you store everything important:

• Title deeds
• Survey reports (homebuyer's survey, structural survey)
• Energy Performance Certificate (EPC)
• Planning permission documents
• Building regulations certificates
• Gas safety certificates
• Electrical certificates (EICR)
• Boiler service records
• Receipts for major works (roof, windows, extension)

To upload a document:

1. Open the property record
2. Click Documents
3. Click Upload
4. Select the file

Having these documents digitally stored means you're never searching for them when you sell, remortgage, or deal with a dispute.

#Multiple Properties

SimpliHome supports multiple properties in one Circle — useful for:

• A family home and a holiday cottage
• Rented investment properties
• Parents tracking an elderly relative's property alongside their own

Each property is tracked independently with its own payments, documents, and valuation history. Bills can be linked to specific properties, so you can see the total cost of each property separately.

#Property and Finance Overview

For Admins, property data feeds into the household financial picture:

• Property equity — appears in the net worth calculation (property value minus mortgage)
• Mortgage payments — can be tracked as a recurring bill
• Maintenance costs — logged payments appear in spending history

#Rented Properties

If you rent rather than own, the Houses section still applies — with adjustments:

• Add the property as your home address
• Use the Payments section to track rent payments
• Store the tenancy agreement in Documents
• Note the lease expiry date as your "mortgage end date" for renewal reminders

#Tips for Property Tracking

Add the purchase price immediately. Even a rough figure is useful — it gives SimpliHome the baseline for calculating equity and capital growth.

Set a mortgage renewal reminder. If your fixed rate expires in 18 months, set a reminder now. The best remortgage deals typically need to be applied for 3–6 months before the current deal ends.

Store the EPC. Energy Performance Certificates are required by law for rental properties and needed when you sell. Keep it in SimpliHome so it's always findable.

Log major works. Replaced the boiler? Got a new roof? Log it with the date and cost. This information is valuable when you eventually sell — it demonstrates upkeep and justifies the asking price.