Open to use.
Pay when it's worth it.
Most users will never need to pay us anything. The free tier covers every calculator and the AI agent. Pay £14.99 once when you want a written, personalised Pro Report — or subscribe to LadderIQ Pro in the iOS app from £3.99/month for ongoing access.
The full calculator suite plus the AI agent. No account, no email required.
- Core calculators: mortgage, stamp duty, ditch your fix, overpay vs invest, LTV, affordability
- AI mortgage agent — 5 questions/day (same fair-use cap on web and iOS)
- Live UK rate context
- Email rate alerts (when it's better than yours)
- iOS app stamp duty calculator
No card required.
A personalised PDF report — should you remortgage now, in 6 months, or sit tight — with the £ math and the FCA-broker handoff plan.
- Verdict: switch / wait / stay, with the break-even month
- ERC schedule, month-by-month, for the next 24 months
- Best fit deal types for your LTV + risk profile
- Overpay vs invest comparison with UK tax applied
- Action plan + when to bring in an FCA-authorised broker
- 14-day money-back guarantee
Web checkout launching soon — available now on iOS Pro
Ongoing Pro access in the iOS app. Compare two deals side-by-side, save scenarios for repeat use, unlock the Buy-to-Let calculator, expand AI Coach to 50/day, and get 5 AI-generated Strategy Reports each month.
- Compare two deals side-by-side — winner badge + £ delta
- Save scenarios — keep your numbers across sessions
- Buy-to-Let Yield — gross & net yield, voids, agent fees, stress test
- AI Coach — 50 questions/day (10× the free tier)
- 5 Pro Strategy Reports/month — Claude-generated PDF, regenerable
Subscriptions billed by Apple · cancel anytime in iOS Settings
Honest questions
Why is the agent free if you sell a £14.99 report?
Because the agent's value lives in the conversation — and conversations are short. The Pro Report is for when you want a structured, written, dated artefact: something you can share with a partner, take to a broker, or revisit in three months when the numbers shift. Two different jobs.
What's the difference between the £14.99 Pro Report and the iOS Pro subscription?
The £14.99 Pro Report is a single PDF you buy once — verdict, math, action plan, generated for your specific numbers. LadderIQ Pro on iOS (from £3.99/month) gives you 5 of the same Pro Report each month, plus side-by-side deal comparison, saved scenarios, the Buy-to-Let yield calculator, and AI Coach expanded to 50 questions/day. The basic calculators (mortgage, stamp duty, affordability, LTV, overpayment, remortgage) are free on both surfaces. If you want one answer right now, the £14.99 report is right. If you're remortgage-shopping over weeks or months, iOS Pro is right.
Why are 'Compare two deals' and 'Save scenarios' free on web but Pro on iOS?
Pre-launch honest answer: the web has no subscription mechanism yet — we'd need to build Stripe Subscriptions and account infra. iOS has Apple's StoreKit built in, so we gate there. If you're shopping actively, iOS gives you cross-session continuity (saved scenarios) and one-tap deal comparison; the web works for stateless quick checks. We may add web subscriptions post-launch and align the gates.
Why is iOS Pro yearly £24.99 when the web report is £14.99?
They're not the same product. £14.99 buys one report on the web. £24.99/year on iOS buys up to 60 Pro Reports a year plus side-by-side deal comparison, saved scenarios, the Buy-to-Let calculator and 10× the AI Coach quota. Per-report it's roughly £0.42 — far cheaper if you'll use it more than once. We deliberately don't price-bump iOS to recover Apple's commission; the margin trade-off is ours to absorb.
What's actually in the report?
A 4–6 page PDF. Verdict (switch/wait/stay), break-even month, ERC schedule month-by-month, best deal types for your LTV, an overpay-vs-invest comparison with your tax band applied, and a written action plan including when to bring in an FCA-authorised broker. Generated by Claude using your specific numbers — not a template.
Do you send my data to a broker?
No. We don't have a broker partnership and we don't sell leads. The Pro Report is yours; you decide whether to take it to a broker. Lead-gen is something we may offer in future, with explicit consent and disclosure — never as the default.
What if the report's wrong?
We model the math; we don't recommend specific lender products. 14-day refund, no questions asked, if the report doesn't help you make a decision. Email hello@ladderiq.co.uk and we'll process it within 48 hours.
Is this regulated financial advice?
No. The report is a planning tool. Regulated advice — recommending a specific product to a specific person — comes from FCA-authorised mortgage brokers. The report tells you when to bring one in.
Not sure yet? Try the free agent first, then upgrade to a written report when you've decided what to ask.