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	<description>Top Finance &#38; Business Adviser</description>
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	<title>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? YesNo Will&#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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<link>
<link></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 (%) Term (years)&#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>

]]></content:encoded>
					
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			<slash:comments>0</slash:comments>
		
		
			</item>
		<item>
		<title>What if I die without the will ??</title>
		https://unique-financial.co.uk/what-if-i-die-without-the-will/</link>
					<comments>https://unique-financial.co.uk/what-if-i-die-without-the-will/#respond</comments>
		
		<dc:creator><![CDATA[Tanveer Hussain]]></dc:creator>
		<pubDate>Mon, 22 Sep 2025 10:40:29 +0000</pubDate>
				<category><![CDATA[Wills]]></category>
		<guid isPermaLink="false">https://unique-financial.co.uk/?p=21833</guid>

					<description><![CDATA[If you die without a will, you are said to have died &#8220;intestate.&#8221; In this case, your assets will be distributed according to the laws of intestacy. These laws vary&#8230;]]></description>
										<content:encoded><![CDATA[
<p class="wp-block-paragraph">If you die without a will, you are said to have died &#8220;intestate.&#8221; In this case, your assets will be distributed according to the laws of intestacy. These laws vary depending on the laws of the country or state where you live, but generally, they provide that your assets will be distributed to your closest living relatives.</p>



<p class="wp-block-paragraph">For example, in the UK, if you are married or in a civil partnership and have children, your spouse or civil partner will typically inherit your entire estate. If you are not married or in a civil partnership and have children, your children will typically inherit your entire estate. If you do not have a spouse, civil partner, or children, your parents will inherit your estate. If your parents are also deceased, your siblings will inherit your estate. If you do not have any living relatives, your estate will pass to the Crown.</p>



<p class="wp-block-paragraph">If you die without a will, the process of distributing your assets will be dictated by the laws of intestacy, which may not reflect your wishes. Having a will can help to ensure that your assets are distributed according to your wishes and can help to avoid disputes among your loved ones.</p>
]]></content:encoded>
					
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			</item>
		<item>
		<title>Why should I have will in place in UK</title>
		https://unique-financial.co.uk/why-should-i-have-will-in-place-in-uk/</link>
					<comments>https://unique-financial.co.uk/why-should-i-have-will-in-place-in-uk/#respond</comments>
		
		<dc:creator><![CDATA[Tanveer Hussain]]></dc:creator>
		<pubDate>Thu, 18 Sep 2025 10:46:10 +0000</pubDate>
				<category><![CDATA[Wills]]></category>
		<guid isPermaLink="false">https://unique-financial.co.uk/?p=21696</guid>

					<description><![CDATA[It is generally a good idea to have a will in place in the UK because it allows you to specify how you would like your assets to be distributed&#8230;]]></description>
										<content:encoded><![CDATA[
<p class="wp-block-paragraph">It is generally a good idea to have a will in place in the UK because it allows you to specify how you would like your assets to be distributed after your death. This can help to ensure that your loved ones are taken care of and that your property goes to the people you want it to. Without a will, your assets may be distributed according to the laws of intestacy, which may not reflect your wishes. Having a will can also help to avoid disputes and legal challenges after your death. If you have children, a will can also be used to appoint guardians to take care of them in the event of your death.</p>



<p class="wp-block-paragraph"></p>
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</rss>
