<commit_before>en:
  mortgage_calculator:
    tool_name: "mortgage-calculator-new"
    activemodel:
      attributes:
        mortgage_calculator/repayment:
          price: Price of the property is
          deposit: Deposit available is
          term_years: Mortgage term is
          interest_rate: Interest rate is
        mortgage_calculator/stamp_duty:
          price: Price of the property is
    repayment:
      title: Calculate your monthly mortgage payment
      subtitle: "This is a guide to how much you'd pay each month. The exact amount will depend on the type of mortgage and the lender."
      next: Next
      back: Back
      a_month: a month
      recalculate: Recalculate
      interest_only: Interest only
      repayment: Repayment
      years: years
      step_1:
        intro: "Plan ahead and estimate your monthly payment now."
      tabs:
        explain: "What does this mean?"
        repayment:
          title: Repayment
          tip_1: You pay off what you borrowed, plus interest.
          tip_2: At the end of the mortgage term you will own the property.
        interest_only:
          title: Interest Only
          tip_1: "You only pay off the interest."
          tip_2: "To own the property you'll need to pay back the amount you borrowed as well, so you must save into a repayment plan."
      tips:
        hidden_costs: Remember to plan for other costs like mortgage fees, legal fees and stamp duty tax.
      interest_changer:
        title: Make sure you can afford it!
        intro: If your interest rate goes up by <strong>%{change}%</strong> your monthly payment will be
      next_steps:
        title: "Three steps to lower your monthly payments:"
        tip_1:
          heading: Increase your deposit
          info_html: "Ideas to help you save money <span class='visually-hidden'>(opens in a new window)</span>"
          url: "https://www.moneyadviceservice.org.uk/en/tools/how-to-set-a-savings-goal"
        tip_2:
          heading: Find a cheaper property
          info: Consider looking in other areas
        tip_3:
          heading: "Shop around for a better mortgage deal"
          info_html: "Use APR and total amount payable to compare the true cost of deals <span class='visually-hidden'>(opens in a new window)</span>"
          url: "https://compare.moneyadviceservice.org.uk/mortgages/step1"
        learn_more:
          title: Learn about LTV
          tip_1: "Having a bigger deposit or buying a cheaper property means the amount you need to borrow is smaller compared with the property's value. This is known as the <b>Loan To Value ratio (LTV)</b>. With a lower LTV, you might be able to get a lower interest rate."
          more:
            copy_html: "Read more about choosing a mortgage <span class='visually-hidden'>(opens in a new window)</span>"
            url: "https://www.moneyadviceservice.org.uk/en/articles/choosing-a-mortgage-shop-around-or-get-advice"
        find_out_more:
          title: Find out more
          tip_1:
            copy_html: "Mortgage comparison table <span class='visually-hidden'>(opens in a new window)</span>"
            url: "https://compare.moneyadviceservice.org.uk/mortgages/step1"
          tip_2:
            copy_html: "Choose the right mortgage <span class='visually-hidden'>(opens in a new window)</span>"
            url: "https://www.moneyadviceservice.org.uk/en/action_plans/how-to-choose-the-right-mortgage"
          tip_3:
            copy_html: "Affordable housing schemes <span class='visually-hidden'>(opens in a new window)</span>"
            url: "https://www.moneyadviceservice.org.uk/en/articles/help-to-buy-homebuy-and-other-housing-schemes"
          tip_4:
            copy_html: "Interest rates explained <span class='visually-hidden'>(opens in a new window)</span>"
            url: "https://www.moneyadviceservice.org.uk/en/articles/mortgage-interest-rate-options"
          tip_5:
            copy_html: "Think about other costs <span class='visually-hidden'>(opens in a new window)</span>"
            url: "https://www.moneyadviceservice.org.uk/en/articles/estimate-your-overall-buying-and-moving-costs"
      caveat:
        title: "Important:"
        one: These results are a guide to give you an idea of what you might pay each month – the exact cost will depend on the mortgage you choose and the lender.
        two: People who are self employed or are not in full-time employment may have other criteria to fulfil.
        three: Before applying for a mortgage, it's best to check your credit rating and make sure you're registered on the electoral roll.
    stamp_duty:
      pretitle: Use this calculator to work out much stamp duty you’ll need to pay on a new home
      h1: Stamp duty calculator
      title: Calculate the stamp duty on your residential property
      subtitle: "Stamp duty is a tax on the cost of properties over £125,000. There are different rates depending on the price of the property."
      next: Next
      recalculate: Recalculate
      back: Back
      how_calculated_toggle: "How is this calculated?"
      how_calculated: "You'll pay a percentage of tax from 1% to 7%, depending on the price"
      caveat:
        title: Important
        one: "This calculator is a guide only to stamp duty on residential properties. Different rates apply to properties for non-residential use."
      results:
        title: "Stamp duty to pay is"
        sentence: "This is %{percentage} of your property price"
        sentence_prefix: This is
        sentence_suffix: "% of your property price"
      table:
        property_price_header: "Purchase price of property"
        rate_header: "Rate of Stamp Duty"
        over: Over
        million: million
      next_steps:
        title: "Three steps to help budget for costs"
        tip_1:
          heading_html: "Understand the true costs of buying a home <span class='visually-hidden'>(opens in a new window)</span>"
          url: https://www.moneyadviceservice.org.uk/en/articles/estimate-your-overall-buying-and-moving-costs
        tip_2:
          heading_html: "Work out your home buying budget <span class='visually-hidden'>(opens in a new window)</span>"
          url: https://www.moneyadviceservice.org.uk/en/tools/budget-planner/short-form/edit/money-in
        tip_3:
          heading_html: "Build an emergency savings fund <span class='visually-hidden'>(opens in a new window)</span>"
          url: https://www.moneyadviceservice.org.uk/en/action_plans/build-an-emergency-savings-fund
        learn_more:
          title: "Did you know?"
          tip_1: "There are some situations in which stamp duty doesn't apply. To learn more about them or how you can minimise stamp duty on a property purchase, %{link}."
          tip_1_link_text: read more about stamp duty
          tip_1_link_url: https://www.moneyadviceservice.org.uk/en/articles/everything-you-need-to-know-about-stamp-duty
        find_out_more:
          title: Find out more
          tip_1:
            copy_html: Mortgage calculator
            url: "https://www.moneyadviceservice.org.uk/en/tools/mortgage-calculator-new"
          tip_2:
            copy_html: Upfront home buying costs
            url: "https://www.moneyadviceservice.org.uk/en/articles/estimate-your-overall-buying-and-moving-costs"
          tip_3:
            copy_html: Mortgage fees and costs
            url: "https://www.moneyadviceservice.org.uk/en/articles/mortgage-related-fees-and-costs-at-a-glance"
          tip_4:
            copy_html: Emergency costs
            url: "https://www.moneyadviceservice.org.uk/en/news/too-many-first-time-buyers-unprepared-for-emergency-costs-14022014"<commit_msg>1313 Stamp Duty is now title cased<commit_after>en:
  mortgage_calculator:
    tool_name: "mortgage-calculator-new"
    activemodel:
      attributes:
        mortgage_calculator/repayment:
          price: Price of the property is
          deposit: Deposit available is
          term_years: Mortgage term is
          interest_rate: Interest rate is
        mortgage_calculator/stamp_duty:
          price: Price of the property is
    repayment:
      title: Calculate your monthly mortgage payment
      subtitle: "This is a guide to how much you'd pay each month. The exact amount will depend on the type of mortgage and the lender."
      next: Next
      back: Back
      a_month: a month
      recalculate: Recalculate
      interest_only: Interest only
      repayment: Repayment
      years: years
      step_1:
        intro: "Plan ahead and estimate your monthly payment now."
      tabs:
        explain: "What does this mean?"
        repayment:
          title: Repayment
          tip_1: You pay off what you borrowed, plus interest.
          tip_2: At the end of the mortgage term you will own the property.
        interest_only:
          title: Interest Only
          tip_1: "You only pay off the interest."
          tip_2: "To own the property you'll need to pay back the amount you borrowed as well, so you must save into a repayment plan."
      tips:
        hidden_costs: Remember to plan for other costs like mortgage fees, legal fees and Stamp Duty tax.
      interest_changer:
        title: Make sure you can afford it!
        intro: If your interest rate goes up by <strong>%{change}%</strong> your monthly payment will be
      next_steps:
        title: "Three steps to lower your monthly payments:"
        tip_1:
          heading: Increase your deposit
          info_html: "Ideas to help you save money <span class='visually-hidden'>(opens in a new window)</span>"
          url: "https://www.moneyadviceservice.org.uk/en/tools/how-to-set-a-savings-goal"
        tip_2:
          heading: Find a cheaper property
          info: Consider looking in other areas
        tip_3:
          heading: "Shop around for a better mortgage deal"
          info_html: "Use APR and total amount payable to compare the true cost of deals <span class='visually-hidden'>(opens in a new window)</span>"
          url: "https://compare.moneyadviceservice.org.uk/mortgages/step1"
        learn_more:
          title: Learn about LTV
          tip_1: "Having a bigger deposit or buying a cheaper property means the amount you need to borrow is smaller compared with the property's value. This is known as the <b>Loan To Value ratio (LTV)</b>. With a lower LTV, you might be able to get a lower interest rate."
          more:
            copy_html: "Read more about choosing a mortgage <span class='visually-hidden'>(opens in a new window)</span>"
            url: "https://www.moneyadviceservice.org.uk/en/articles/choosing-a-mortgage-shop-around-or-get-advice"
        find_out_more:
          title: Find out more
          tip_1:
            copy_html: "Mortgage comparison table <span class='visually-hidden'>(opens in a new window)</span>"
            url: "https://compare.moneyadviceservice.org.uk/mortgages/step1"
          tip_2:
            copy_html: "Choose the right mortgage <span class='visually-hidden'>(opens in a new window)</span>"
            url: "https://www.moneyadviceservice.org.uk/en/action_plans/how-to-choose-the-right-mortgage"
          tip_3:
            copy_html: "Affordable housing schemes <span class='visually-hidden'>(opens in a new window)</span>"
            url: "https://www.moneyadviceservice.org.uk/en/articles/help-to-buy-homebuy-and-other-housing-schemes"
          tip_4:
            copy_html: "Interest rates explained <span class='visually-hidden'>(opens in a new window)</span>"
            url: "https://www.moneyadviceservice.org.uk/en/articles/mortgage-interest-rate-options"
          tip_5:
            copy_html: "Think about other costs <span class='visually-hidden'>(opens in a new window)</span>"
            url: "https://www.moneyadviceservice.org.uk/en/articles/estimate-your-overall-buying-and-moving-costs"
      caveat:
        title: "Important:"
        one: These results are a guide to give you an idea of what you might pay each month – the exact cost will depend on the mortgage you choose and the lender.
        two: People who are self employed or are not in full-time employment may have other criteria to fulfil.
        three: Before applying for a mortgage, it's best to check your credit rating and make sure you're registered on the electoral roll.
    stamp_duty:
      pretitle: Use this calculator to work out much Stamp Duty you’ll need to pay on a new home
      h1: Stamp Duty calculator
      title: Calculate the Stamp Duty on your residential property
      subtitle: "Stamp Duty is a tax on the cost of properties over £125,000. There are different rates depending on the price of the property."
      next: Next
      recalculate: Recalculate
      back: Back
      how_calculated_toggle: "How is this calculated?"
      how_calculated: "You'll pay a percentage of tax from 1% to 7%, depending on the price"
      caveat:
        title: Important
        one: "This calculator is a guide only to Stamp Duty on residential properties. Different rates apply to properties for non-residential use."
      results:
        title: "Stamp Duty to pay is"
        sentence: "This is %{percentage} of your property price"
        sentence_prefix: This is
        sentence_suffix: "% of your property price"
      table:
        property_price_header: "Purchase price of property"
        rate_header: "Rate of Stamp Duty"
        over: Over
        million: million
      next_steps:
        title: "Three steps to help budget for costs"
        tip_1:
          heading_html: "Understand the true costs of buying a home <span class='visually-hidden'>(opens in a new window)</span>"
          url: https://www.moneyadviceservice.org.uk/en/articles/estimate-your-overall-buying-and-moving-costs
        tip_2:
          heading_html: "Work out your home buying budget <span class='visually-hidden'>(opens in a new window)</span>"
          url: https://www.moneyadviceservice.org.uk/en/tools/budget-planner/short-form/edit/money-in
        tip_3:
          heading_html: "Build an emergency savings fund <span class='visually-hidden'>(opens in a new window)</span>"
          url: https://www.moneyadviceservice.org.uk/en/action_plans/build-an-emergency-savings-fund
        learn_more:
          title: "Did you know?"
          tip_1: "There are some situations in which Stamp Duty doesn't apply. To learn more about them or how you can minimise Stamp Duty on a property purchase, %{link}."
          tip_1_link_text: read more about Stamp Duty
          tip_1_link_url: https://www.moneyadviceservice.org.uk/en/articles/everything-you-need-to-know-about-stamp-duty
        find_out_more:
          title: Find out more
          tip_1:
            copy_html: Mortgage calculator
            url: "https://www.moneyadviceservice.org.uk/en/tools/mortgage-calculator-new"
          tip_2:
            copy_html: Upfront home buying costs
            url: "https://www.moneyadviceservice.org.uk/en/articles/estimate-your-overall-buying-and-moving-costs"
          tip_3:
            copy_html: Mortgage fees and costs
            url: "https://www.moneyadviceservice.org.uk/en/articles/mortgage-related-fees-and-costs-at-a-glance"
          tip_4:
            copy_html: Emergency costs
            url: "https://www.moneyadviceservice.org.uk/en/news/too-many-first-time-buyers-unprepared-for-emergency-costs-14022014"
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