PrismProp puts deal appraisal, financing analysis and AI-driven modelling to work for your decision — the true cost across every route, conventional, bridging, and Sharia-compliant. A methodology unique to me, powered by AI and checked by hand.
True cost — indicative
Illustrative example — figures vary by deal
Annualised ROCE
Scenario stress test
Built on public, dated, traceable data
One pipeline, no black box
Comparable valuations, EPC ratings, and SDLT bands are pulled from HM Land Registry, the EPC register, and HMRC rules, then run through a hard-coded, unit-tested Python engine. Every SDLT, ROCE, IRR, and GDV figure is calculated the same way every time — never estimated by a language model.
The route most tools skip
Murabaha structures are modelled on the same purchase price and exit assumptions as conventional and bridging finance — a genuine like-for-like comparison, not an afterthought. The standout edge: no early-exit penalty, where bridging finance typically charges one. Contract mechanics are explained factually; compliance sign-off sits with the finance provider's own Sharia board, not with PrismProp.
Bridging — early exit
Charged on top of monthly interest already paid.
Sharia-compliant — early exit
Fixed profit rate agreed up front — exiting early doesn't cost extra.
Illustrative — structure varies by provider and deal.
The comparison, on one page
Every report opens with this: conventional, bridging, and Sharia-compliant, costed side by side on the same deal. No steer toward any one route — just the true cost, dated and traceable back to source.
True cost — this deal
Illustrative layout — final report design in progress.
Conservative, Mid, Optimistic
Every deal is run three times against different assumptions, so you see the range of outcomes, not one hopeful number — GDV, ROCE, IRR, and total cash required, side by side across all three.
| Conservative | Mid | Optimistic | |
|---|---|---|---|
| GDV | £268,000 | £284,500 | £301,000 |
| ROCE | 11.2% | 14.6% | 18.4% |
| IRR | 9.8% | 13.1% | 16.7% |
| Cash required | £62,400 | £58,900 | £55,100 |
Illustrative figures — final report design in progress.