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	<title>ufs@tan23 &#8211; Unique Financial Services</title>
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	<title>ufs@tan23 &#8211; Unique Financial Services</title>
	<link>https://unique-financial.co.uk</link>
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	<item>
		<title>Stamp Duty Land Tax Calculator</title>
		<link>https://unique-financial.co.uk/stamp-duty-land-tax-calculator/</link>
					<comments>https://unique-financial.co.uk/stamp-duty-land-tax-calculator/#respond</comments>
		
		<dc:creator><![CDATA[ufs@tan23]]></dc:creator>
		<pubDate>Wed, 04 Feb 2026 16:30:45 +0000</pubDate>
				<category><![CDATA[Calculators]]></category>
		<guid isPermaLink="false">https://unique-financial.co.uk/?p=21912</guid>

					<description><![CDATA[Stamp Duty Land Tax Calculator Stamp Duty Land Tax Calculator Freehold or leasehold? FreeholdLeasehold (new lease) Residential or non-residential? ResidentialNon-residential Effective date UK Resident? YesNo Buying as individual?&#8230;]]></description>
										<content:encoded><![CDATA[
<p class="wp-block-paragraph"></p>



<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="UTF-8">
<title>Stamp Duty Land Tax Calculator</title>
<meta name="viewport" content="width=device-width, initial-scale=1">

<style>
:root{
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.breakdown{
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.note{
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</style></head>

<body>

<div class="calculator">

<img decoding="async" class="logo" src="https://unique-financial.co.uk/wp-content/uploads/2023/11/ufs-logo.webp">

<h1>Stamp Duty Land Tax Calculator</h1>

<div class="field">
<label>Freehold or leasehold?</label>
<select id="tenure">
  <option value="freehold">Freehold</option>
  <option value="leasehold">Leasehold (new lease)</option>
</select>
</div>

<div class="field">
<label>Residential or non-residential?</label>
<select id="propertyType" onchange="toggleResidential()">
  <option value="residential">Residential</option>
  <option value="nonres">Non-residential</option>
</select>
</div>

<div class="field">
<label>Effective date</label>
<input type="date" id="effectiveDate" value="2025-02-02">
</div>

<div id="residentialBlock">

<div class="field">
<label>UK Resident?</label>
<select id="ukResident">
  <option value="yes">Yes</option>
  <option value="no">No</option>
</select>
</div>

<div class="field">
<label>Buying as individual?</label>
<select id="individual" onchange="toggleIndividual()">
  <option value="yes">Yes</option>
  <option value="no">No</option>
</select>
</div>

<div id="individualOnly">

<div class="field">
<label>Will you own multiple properties?</label>
<select id="multiple" onchange="toggleReplacement()">
  <option value="no">No</option>
  <option value="yes">Yes</option>
</select>
</div>

<div class="field hidden" id="replacementBlock">
<label>Replacing main residence?</label>
<select id="replacement">
  <option value="yes">Yes</option>
  <option value="no">No</option>
</select>
</div>

</div>
</div>

<div class="field">
<label>Purchase price (£)</label>
<input type="number" id="price" placeholder="Enter purchase price">
</div>

<button onclick="calculate()">Calculate SDLT</button>

<div id="result" class="result hidden">
  <div class="total-display" id="totalDisplay"></div>
  <div class="breakdown" id="breakdownDisplay"></div>
  <div class="note" id="noteDisplay"></div>
</div>

</div>

<script>

function toggleResidential(){
  document.getElementById("residentialBlock")
    .classList.toggle("hidden",
      document.getElementById("propertyType").value==="nonres");
}

function toggleIndividual(){
  document.getElementById("individualOnly")
    .classList.toggle("hidden",
      document.getElementById("individual").value==="no");
}

function toggleReplacement(){
  document.getElementById("replacementBlock")
    .classList.toggle("hidden",
      document.getElementById("multiple").value==="no");
}

window.onload = ()=>{
  toggleResidential();
  toggleIndividual();
  toggleReplacement();
};

function calculate(){
  const priceInput = document.getElementById("price").value;
  const price = parseFloat(priceInput);
  const type = document.getElementById("propertyType").value;
  const tenure = document.getElementById("tenure").value;
  const date = document.getElementById("effectiveDate").value;
  
  // Reset result display
  const resultDiv = document.getElementById("result");
  resultDiv.classList.add("hidden");

  if(!priceInput || isNaN(price) || price <= 0){
    showResult("Input Required", "Please enter a valid purchase price.", "");
    return;
  }

  let tax = 0;
  let breakdown = [];
  let notes = [];

  function bandCalc(bands){
    let remaining = price;
    let last = 0;

    for(let b of bands){
      if(remaining <= 0) break;
      const taxable = Math.min(remaining, b[0] - last);
      const bandTax = taxable * b[1];
      tax += bandTax;

      if(bandTax > 0){
        breakdown.push(
          `£${formatNumber(taxable)} @ ${(b[1]*100).toFixed(0)}% = £${formatCurrency(bandTax)}`
        );
      }

      remaining -= taxable;
      last = b[0];
    }
  }

  // Format number with thousands separators
  function formatNumber(num){
    return num.toLocaleString('en-GB', {minimumFractionDigits: 0, maximumFractionDigits: 0});
  }
  
  // Format currency with 2 decimal places
  function formatCurrency(num){
    return num.toLocaleString('en-GB', {minimumFractionDigits: 2, maximumFractionDigits: 2});
  }

  if(type === "nonres"){
    // Non-residential rates (England & Wales)
    bandCalc([
      [150000, 0],
      [250000, 0.02],
      [Infinity, 0.05]
    ]);
    notes.push("Non-residential property rates applied");
  } else {
    // Residential rates (England & Wales)
    bandCalc([
      [250000, 0],
      [925000, 0.05],
      [1500000, 0.10],
      [Infinity, 0.12]
    ]);
    
    // Check for additional property surcharge
    const isMultiple = document.getElementById("multiple").value === "yes";
    const isReplacement = document.getElementById("replacement").value === "yes";
    
    if(isMultiple && !isReplacement){
      const surcharge = price * 0.03;
      tax += surcharge;
      breakdown.push(`Additional property surcharge (3%) = £${formatCurrency(surcharge)}`);
      notes.push("Additional 3% surcharge applied for additional property");
    }
    
    // Check for non-resident surcharge
    const isUKResident = document.getElementById("ukResident").value === "yes";
    if(!isUKResident){
      const surcharge = price * 0.02;
      tax += surcharge;
      breakdown.push(`Non-resident surcharge (2%) = £${formatCurrency(surcharge)}`);
      notes.push("Additional 2% surcharge applied for non-UK resident");
    }
  }

  // Add leasehold note if applicable
  if(tenure === "leasehold"){
    notes.push("Note: Leasehold calculations do not include Net Present Value of rent");
  }
  
  // Add calculation date
  notes.push(`Effective date: ${date}`);

  // Show the results
  showResult(
    `£${formatCurrency(tax)}`,
    breakdown.join("<br>"),
    notes.join("<br>")
  );
}

function showResult(total, details, extra){
  const resultDiv = document.getElementById("result");
  const totalDisplay = document.getElementById("totalDisplay");
  const breakdownDisplay = document.getElementById("breakdownDisplay");
  const noteDisplay = document.getElementById("noteDisplay");
  
  totalDisplay.innerHTML = total;
  breakdownDisplay.innerHTML = details || "No tax breakdown available";
  noteDisplay.innerHTML = extra || "";
  
  resultDiv.classList.remove("hidden");
  
  // Scroll to results
  resultDiv.scrollIntoView({ behavior: 'smooth', block: 'nearest' });
}

</script>

</body>
</html>
]]></content:encoded>
					
					<wfw:commentRss>https://unique-financial.co.uk/stamp-duty-land-tax-calculator/feed/</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
			</item>
		<item>
		<title>Islamic Inheritance Calculator</title>
		https://unique-financial.co.uk/islamic-inheritance-calculator/</link>
					<comments>https://unique-financial.co.uk/islamic-inheritance-calculator/#respond</comments>
		
		<dc:creator><![CDATA[ufs@tan23]]></dc:creator>
		<pubDate>Wed, 04 Feb 2026 16:00:18 +0000</pubDate>
				<category><![CDATA[Calculators]]></category>
		<guid isPermaLink="false">https://unique-financial.co.uk/?p=21902</guid>

					<description><![CDATA[Islamic Inheritance Calculator Islamic Inheritance Calculator Quick estimate based on basic Shariah rules. Estate Value (£) Spouse NoneHusbandWife Sons Daughters Father alive? NoYes Mother alive? NoYes Calculate Shares]]></description>
										<content:encoded><![CDATA[
<p class="wp-block-paragraph"></p>



<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="UTF-8" />
<title>Islamic Inheritance Calculator</title>
<meta name="viewport" content="width=device-width, initial-scale=1.0" />


</head>

<body>

<div class="card">

<h1>Islamic Inheritance Calculator</h1>
<p>Quick estimate based on basic Shariah rules.</p>

<div id="form">

<div class="form-grid">

    <div class="form-group">
        <label>Estate Value (£)</label>
        <input type="number" id="estate" placeholder="e.g. 100000" />
    </div>

    <div class="form-group">
        <label>Spouse</label>
        <select id="spouse">
            <option value="0">None</option>
            <option value="husband">Husband</option>
            <option value="wife">Wife</option>
        </select>
    </div>

    <div class="form-group">
        <label>Sons</label>
        <input type="number" id="sons" value="0" />
    </div>

    <div class="form-group">
        <label>Daughters</label>
        <input type="number" id="daughters" value="0" />
    </div>

    <div class="form-group">
        <label>Father alive?</label>
        <select id="father">
            <option value="0">No</option>
            <option value="1">Yes</option>
        </select>
    </div>

    <div class="form-group">
        <label>Mother alive?</label>
        <select id="mother">
            <option value="0">No</option>
            <option value="1">Yes</option>
        </select>
    </div>

</div>

<button onclick="calculate()">Calculate Shares</button>

</div>

<div id="results" class="hidden"></div>

</div>

<script>
function calculate(){

let estate = parseFloat(document.getElementById("estate").value);
let spouse = document.getElementById("spouse").value;
let sons = parseInt(document.getElementById("sons").value);
let daughters = parseInt(document.getElementById("daughters").value);
let father = parseInt(document.getElementById("father").value);
let mother = parseInt(document.getElementById("mother").value);

let remaining = estate;
let output = "";

// Spouse share
if(spouse === "wife"){
    let share = (sons+daughters>0) ? estate/8 : estate/4;
    remaining -= share;
    output += result("Wife", share);
}
if(spouse === "husband"){
    let share = (sons+daughters>0) ? estate/4 : estate/2;
    remaining -= share;
    output += result("Husband", share);
}

// Mother
if(mother){
    let share = estate/6;
    remaining -= share;
    output += result("Mother", share);
}

// Father
if(father){
    let share = estate/6;
    remaining -= share;
    output += result("Father", share);
}

// Children
let totalParts = sons*2 + daughters;
if(totalParts>0){
    let unit = remaining/totalParts;
    if(sons>0) output += result("Each Son", unit*2);
    if(daughters>0) output += result("Each Daughter", unit);
}

document.getElementById("form").classList.add("hidden");
document.getElementById("results").classList.remove("hidden");

document.getElementById("results").innerHTML =
"<h3 style='color:#383660;'>Estimated Shares</h3>" + output +
"<p><small>Final distributions should be confirmed with a scholar or advisor.</small></p>";
}

function result(name, amount){
    return `<div class="result">${name}: £${amount.toFixed(2)}</div>`;
}
</script>

</body>
</html>

]]></content:encoded>
					
					<wfw:commentRss>https://unique-financial.co.uk/islamic-inheritance-calculator/feed/</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
			</item>
		<item>
		<title>Halal Mortgage Affordability Check</title>
		https://unique-financial.co.uk/halal-mortgage-affordability-check/</link>
					<comments>https://unique-financial.co.uk/halal-mortgage-affordability-check/#respond</comments>
		
		<dc:creator><![CDATA[ufs@tan23]]></dc:creator>
		<pubDate>Wed, 04 Feb 2026 15:18:43 +0000</pubDate>
				<category><![CDATA[Calculators]]></category>
		<guid isPermaLink="false">https://unique-financial.co.uk/?p=21887</guid>

					<description><![CDATA[Halal Mortgage Tools Halal Mortgage Calculator Affordability Monthly Payment How much can I afford? Annual Household Income (£) Monthly Expenses (£) Deposit Saved (£) Profit / Rate (%)&#8230;]]></description>
										<content:encoded><![CDATA[
<p class="wp-block-paragraph"></p>



<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="UTF-8" />
<meta name="viewport" content="width=device-width, initial-scale=1.0"/>
<title>Halal Mortgage Tools</title>


</head>

<body>

<div class="container">
<div class="card">

<h1>Halal Mortgage Calculator</h1>

<div class="tabs">
    <button class="tab active" onclick="showTab(0)">Affordability</button>
    <button class="tab" onclick="showTab(1)">Monthly Payment</button>
</div>

<div class="panel" id="tab0">
<h3>How much can I afford?</h3>

<div class="form-grid">
    <div class="form-group">
        <label>Annual Household Income (£)</label>
        <input id="a_income" oninput="formatGBP(this)">
    </div>

    <div class="form-group">
        <label>Monthly Expenses (£)</label>
        <input id="a_expenses" oninput="formatGBP(this)">
    </div>

    <div class="form-group">
        <label>Deposit Saved (£)</label>
        <input id="a_deposit" oninput="formatGBP(this)">
    </div>

    <div class="form-group">
        <label>Profit / Rate (%)</label>
        <input id="a_rate" type="number" step="0.01" value="5">
    </div>

    <div class="form-group">
        <label>Term (years)</label>
        <input id="a_term" type="number" value="25">
    </div>
</div>

<button class="calc" onclick="affordCalc()">Check Affordability</button>
<div id="afford_result"></div>
</div>

<div class="panel hidden" id="tab1">
<h3>Monthly Payment Estimate</h3>

<div class="form-grid">
    <div class="form-group">
        <label>Home Price (£)</label>
        <input id="m_price" oninput="formatGBP(this)">
    </div>

    <div class="form-group">
        <label>Deposit (£)</label>
        <input id="m_deposit" oninput="formatGBP(this)">
    </div>

    <div class="form-group">
        <label>Profit / Rate (%)</label>
        <input id="m_rate" type="number" step="0.01" value="5">
    </div>

    <div class="form-group">
        <label>Term (years)</label>
        <input id="m_term" type="number" value="25">
    </div>
</div>

<button class="calc" onclick="paymentCalc()">Calculate Payment</button>
<div id="payment_result"></div>
</div>

</div>
</div>

<script>

function showTab(i){
    document.querySelectorAll('.panel').forEach((p,idx)=>{
        p.classList.toggle('hidden', idx!==i);
    });
    document.querySelectorAll('.tab').forEach((t,idx)=>{
        t.classList.toggle('active', idx===i);
    });
}

function formatGBP(el){
    let value = el.value.replace(/[^\d]/g,'');
    if(!value){ el.value=''; return; }
    el.value = '£' + Number(value).toLocaleString('en-GB');
}

function money(id){
    let v = document.getElementById(id).value;
    return parseFloat(v.replace(/[£,]/g,'')) || 0;
}

function number(id){
    return parseFloat(document.getElementById(id).value) || 0;
}

function affordCalc(){
    let income = money('a_income');
    let expenses = money('a_expenses');
    let deposit = money('a_deposit');
    let rate = number('a_rate') / 100;
    let term = number('a_term');

    let monthlyAvailable = (income/12 - expenses) * 0.40;
    let r = rate/12;
    let months = term * 12;

    let loan = r === 0
        ? monthlyAvailable * months
        : monthlyAvailable * ((1 - Math.pow(1+r, -months)) / r);

    let price = loan + deposit;

    document.getElementById("afford_result").innerHTML = `
        <div class="result"><b>Max Home Price:</b> £${price.toLocaleString('en-GB',{maximumFractionDigits:0})}</div>
        <div class="result"><b>Finance Needed:</b> £${loan.toLocaleString('en-GB',{maximumFractionDigits:0})}</div>
        <div class="result"><b>Affordable Monthly:</b> £${monthlyAvailable.toLocaleString('en-GB',{maximumFractionDigits:0})}</div>
    `;
}

function paymentCalc(){
    let price = money('m_price');
    let deposit = money('m_deposit');
    let rate = number('m_rate') / 100;
    let term = number('m_term');

    let loan = price - deposit;
    let r = rate/12;
    let months = term * 12;

    let payment = r === 0
        ? loan / months
        : loan * (r / (1 - Math.pow(1+r, -months)));

    document.getElementById("payment_result").innerHTML = `
        <div class="result"><b>Monthly Payment:</b> £${payment.toLocaleString('en-GB',{maximumFractionDigits:0})}</div>
        <div class="result"><b>Finance Amount:</b> £${loan.toLocaleString('en-GB',{maximumFractionDigits:0})}</div>
    `;
}

</script>

</body>
</html>

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