This is great - I really like the breakdown.
Iād love for the ability to manually add a % or Ā£ for who else has equity in my property (first home fund/help to buy eg) as the equity isnāt actually true for me once I take into consideration the governmentās portion.
I bet thatād be a nightmare to automate as itās so varied, so a manual entry would be great!
So my mortgage is split in two and on two different rates and end dates (due to a mortgage port), are there plans to allow me to combine both of these on the app? It is showing a different LTV for each part (which is expected but not desired).
Your new mortgage (assuming your lender isnāt doing anything unusual) should see the monthly payments change and āswap inā! Iām anticipating that youāll need to re-estimate interest rate or provide an updated one yourself.
As it stands we donāt have any alerting logic visible to you to flag that we think the deal has changed - thatās partly because our estimate of your interest rate can vary a little each month
Ah yes - I remember your case of Coventry Building Society! Weāre looking to gather the information at the moment to see how common this scenario is - given that most records get merged together (both frustrating but in different ways).
If we see it impacting a reasonable proportion then weāll certainly try to find a way to tackle - this new view of property equity finally gives us a framework to think the holistic picture 
Out of interest - how was the property value estimation?
Cheers, I appreciate that it is a rather unique scenario, as splitting them helps me track the rates and when they end, but the LTV is inaccurate. I guess I canāt have it all!
My estimation was Ā£20k less than what Zoopla and the Coventy estimated it at (last valued in April for a remortgage).
I amended the suggested property value earlier. Now, whilst I can go and edit the value again, there seems to be no way to revert back to the originally suggested estimate.
The easiest way right now is to tap the 3 dots and remove the property entirely and set it up again
I think as we evolve to supporting semi-regular updates then reverting to our estimated value feels like something weād want to add in. As Iām asking everyone - what did you make of the Ā£ value we offered up?
The Monzo valuation was about Ā£15,000 lower than my current and upcoming mortgage provider valued the place at.
It wasnāt quite right, due to renovations which I know arenāt something thatās supported. Otherwise, it was pretty much spot on.
I would also like to be able to alter the value to the original estimate - what I would like to know is if that estimate would cross an LTV breakpoint. Could the app show the values for the different breakpoints once the amount is set?
Overall, this feature is great, the onboarding was fantastic and all the text very clear. Great work!
Monzo gave a value for my address at the lowest of the, for comparison, Zoopla valuation range which is not bad. But we have had several improvements in the last 2 years which realistically puts it in the middle of the Zoopla range*, which is Ā£25K more than the Monzo figure.
*Source: Brother-in-law owns an Estate Agent company in the area and is a Chartered Surveyor
Out of curiosity, I donāt have the āEdit imageā or āLearn moreā selections in the 3-dot-options (Android v5.43.0)
Same but split in 3! 
I know Help to buy was not included in this, but would there be an option to add this data in, even if itās manual in the near future? I am on a help to buy and my 5 years is coming up in 2024 summer and this feature is great to know the ideal amount I could put the flat on sale for example
All in good time folks! It should be with you in the 5.44 release or thereabouts 
You (Monzo): delivers another amazing overall feature
Us (Community): ābut whereās the detailed polish, and we want it nowā
Love this.
I am shared ownership so only have a % of the property but the price estimate appears to have picked this up and based the value on my share.
Well that or house has dropped 50% in the last 8 years
This is excellent and definitely a nice change from seeing lots of minus figures. Great work 
A brilliant addition. Great work Monzo team!
Hey! Long time coming but I finally have an updated mortgage balance/monthly payment and itās wrong 
.
Itās showing 1047 but my monthly repayment is actually 997. Itās taken the first two payments into account but not the third and am about to make a fourth (slow reporting I know).
I guess this is due to the first month where I had to pay off a product fee and it should fix itself eventually?
