nume

Smart Mortgages. Smarter Investing.

Calculate the "Smart Trade-Off" between debt and growth and invest into index funds.

Capital at risk when you invest.

Most homeowners bury extra cash in home equity because it feels "safe." But is that move costing you in the long run?

nume brings your mortgage and investment data together side-by-side, replacing guesswork with mathematical optimization. No more tools that only show half the picture.

With nume, you can:

• Find the "Sweet Spot": Calculate the balance to pay down enough debt for cheaper interest rates while shifting surplus cash into a faster-growing "Nest Egg."

• See the Future : Use simulations to see how overpaying vs. investing shapes your wealth over 10, 20, or 30 years.

• Unlock "Accessible Freedom": Don't trap all of your wealth in bricks. Build a liquid, trackable safety net available for life’s unexpected needs.

• Verify Your Wealth: Prove you are a lower-risk borrower by showing your total portfolio to lenders, potentially unlocking better mortgage rates.

• Invest with Precision: Access low-cost index funds directly through the platform to act as capital repayment vehicles.

Security & Trust as the Foundation

• Asset Security: Your money is never on our balance sheet. Assets are held securely in segregated accounts with Interactive Brokers.

Nume is a trading name of Sprout Financial Ltd (Co. No. 16066376). Sprout Financial Ltd is an Appointed Representative of RiskSave Technologies Ltd (FRN: 775330), which is authorised and regulated by the Financial Conduct Authority. Your money and assets are held with Interactive Brokers. ISA accounts are held with the FCA-regulated UK entity, while GIA accounts are held with Interactive Brokers LLC in the US. All assets are kept in segregated accounts, separate from the firm’s own funds, ensuring they remain yours. Eligible ISA accounts are protected by the FSCS up to £85,000. GIA accounts are protected by the SIPC up to US $500,000 (including US $250,000 for cash), with additional excess coverage from Lloyd’s of London. Please note this protection does not cover losses due to changes in investment value.