Tool 05 of 12
Offer Engine
"What should you actually offer?"
A reverse appraisal calculator that works backwards from your exit value through every cost line to determine the maximum safe offer price on any UK property investment.
"What should you actually offer?"
A reverse appraisal calculator that works backwards from your exit value through every cost line to determine the maximum safe offer price on any UK property investment.
Works backwards from your exit value (GDV) through every cost line to find the maximum price you can safely pay while hitting your target profit margin.
Accurate UK stamp duty calculation with investor surcharge and non-resident rates built in. Automatically factors SDLT into your total acquisition costs.
See how your profit changes at +/−5%, 10%, and 15% above or below your maximum offer. Know exactly where your margin erodes.
Know exactly where profit hits zero so you never overpay on a deal. The engine calculates your absolute ceiling price automatically.
Compare up to 4 offers with overlaid cost profiles and profit metrics. Perfect for evaluating multiple properties or negotiation scenarios.
Set your own default cost assumptions — legal fees, finance rates, contingency percentages — to speed up every new calculation.
Set your target sale price (GDV) and desired profit margin for the deal. The engine uses this as the starting point and works backwards through every cost.
Input refurbishment, finance, holding, and sale costs across 5 categories and 10 line items. Smart defaults pre-fill common values for speed — adjust only what differs.
Receive the exact maximum you can pay while hitting your target profit margin. Plus sensitivity analysis showing how profit changes at different offer levels.
Every cost line that affects your maximum offer is accounted for — nothing falls through the cracks.
No credit card required for free tier. Upgrade anytime for unlimited access and advanced features.
3 core tools with limited usage
£490/yr with annual billing
7 tools, unlimited usage
£790/yr with annual billing
9 tools, team access, Cost Manager
£1,490/yr with annual billing
All 12 tools, unlimited team, API, white-label
*All unlimited usage is subject to a fair usage policy.
"I run every auction lot through Offer Engine before the gavel falls. Knowing my walk-away price in advance means I never get caught up in the heat of the room."
Mark P., Auction Investor (20+ properties)
"The sensitivity analysis shows me exactly how my profit changes if refurb costs overrun by 10% or 15%. I can negotiate with confidence because I know my numbers inside out."
Rachel K., Flip Specialist
"We use Offer Engine to standardise our appraisal process across the team. Custom defaults mean everyone works from the same assumptions, and side-by-side compare speeds up committee decisions."
James H., Investment Director at a London property fund
A reverse appraisal (or residual valuation) works backwards from your expected sale price. It subtracts all costs — purchase, refurb, finance, holding, and sale — then deducts your target profit to arrive at the maximum you should pay for the property.
The engine uses current HMRC rates including the 3% additional property surcharge and 2% non-resident surcharge where applicable. Rates are updated when HMRC publishes changes.
Free users can calculate up to 3 offers. Pro subscribers get unlimited offers with full comparison and export capabilities.
The engine covers 5 cost categories with 10 line items: SDLT, legal fees, survey, build costs, contingency, interest, arrangement fees, insurance, agent fees, and EPC/utilities. You can customise every line.
No. Offer Engine is a calculation tool for informational purposes only. We are not regulated financial advisors. Always consult with independent professionals before making investment decisions.
We offer a 14-day money-back guarantee on Pro subscriptions. If you're not satisfied, contact support@hibba.co for a full refund.
Stop guessing. Calculate your maximum safe offer price backed by professional-grade cost analysis.
No credit card required for free tier • Upgrade anytime