Property finances come with exceptions. A large mortgage interest payment, a small loan repayment or an amount that belongs to the portfolio as a whole can all have a perfectly good explanation. You know the circumstances behind your transactions.

CLARIFYProperty now offers a helpful nudge when a manual categorisation follows a less common pattern. A short prompt explains what the category usually represents and suggests something to consider before continuing. If your original choice fits the transaction, you can confirm it and carry on.

A little context for mortgage transactions

Mortgage payments can include both interest and repayment of the loan itself. Keeping those parts separate helps distinguish the cost of borrowing from changes to the amount you owe.

The new prompts appear when an amount under £10,000 is assigned to the mortgage loan category, or an amount of £10,000 or more is assigned to mortgage interest. These thresholds are simply cues to offer some context; transactions on either side can still belong in the category you have chosen.

The wording also reflects whether money is going out or coming in. For a payment, it explains the distinction between interest and paying off the loan. For money received, it helps distinguish borrowing against the mortgage from an interest refund.

Where an amount includes both elements, the guidance suggests splitting it between the categories. For regular mortgage payments, it also points out that a mortgage rule can usually handle that split for you.

A prompt about the property, too

Rental income, mortgage interest, mortgage principal and bridging loans usually relate to a particular property. If you categorise one of these amounts with No property selected, a prompt gives you an opportunity to choose the property it relates to.

You can also confirm that you want to keep No property when that is appropriate for your records.

The same help when splitting a transaction

These prompts also apply to individual lines when you split a transaction. Any relevant guidance appears alongside the line it concerns, so you can review the category, property and amount together before saving.

The aim is to make useful context available at the moment it might help. Everyday categorisations can move along as usual, while less common ones get a brief pause for consideration, with the final choice staying with you.