Every cost between the asking price and the keys
A purchase price is one line in a much longer list. BuyerWingman brings the rest of that list together for one property, using local rates rather than generic assumptions.
- Purchase costs and local fees — transfer tax or VAT, notary, registry and legal fees, calculated for the property's actual location and price.
- Mortgage assumptions — loan-to-value, rate and term, set out clearly rather than buried in a broker's indicative quote.
- Renovation and holding inputs — where relevant, the same renovation budget used elsewhere on the property, plus running costs during any holding period.
- Total cash required — every cost added together into the one figure that actually needs to sit in your account.
Financing, laid out rather than assumed
Most purchases involve a mix of cash and borrowing, and the split changes everything about how much cash is actually required up front. BuyerWingman lets you set a loan-to-value assumption, an indicative rate and a term, and shows how the resulting mortgage payment fits against the property's costs and, where relevant, its estimated rental income.
These are assumptions you control, not a loan offer. BuyerWingman is not a lender, a mortgage broker or a financial adviser, and nothing here is a commitment to lend or an assessment of what a bank would actually approve.
Comparing scenarios side by side
The same property can be financed in more than one reasonable way: more cash and a smaller mortgage, or a larger mortgage and more cash kept aside. BuyerWingman lets you compare scenarios directly, seeing how total cash required, monthly cost and, where relevant, estimated net return move against each other as the assumptions change.
This is also where a purchase with planned renovation can be compared against a purchase without one, since the same total-cash-required figure reflects whichever path you are weighing.
Acquisition cost, not just asking price
Deal finance draws on the property's acquisition guidance rather than the raw asking price, so the total cash required reflects a realistic view of what the property is actually likely to cost to acquire, including any adjustment for condition, documentation or market position already established elsewhere on the property.
What BuyerWingman does not do
BuyerWingman is not a lender, a mortgage broker, a bank or a licensed financial adviser. It does not arrange financing, assess your creditworthiness, or guarantee that a lender will offer the rate, term or amount used in an assumption. Actual mortgage terms depend on the lender, your financial situation and local underwriting rules, and should be confirmed with a bank or a qualified mortgage adviser before you rely on them.
How it connects to the rest of BuyerWingman
Deal finance reads from the property's acquisition guidance, its renovation plan where one exists, and its rental or flip potential, so the total cash required and the financing scenario reflect the same property facts used everywhere else rather than a separate spreadsheet with its own assumptions.