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Buying Budget

UK mortgage & home-buying calculators

Nine calculators built around one question: what can you actually afford, and what will it really cost? Each one shows its formula, its assumptions and its limits, so you can judge the number rather than just trust it.

The buying journey, in order

  1. Step 1How Much House Can I Afford?A three-question starting point that gives a rough budget in seconds and points you to the detailed tools.Buying
  2. Step 2Mortgage Affordability & Buying Budget CalculatorEstimate an indicative borrowing range, property budget, deposit percentage, LTV and monthly repayment from your income, deposit and commitments.BuyingMortgage
  3. Step 3Mortgage Deposit CalculatorWork out the deposit needed for a target percentage, what you have already, the shortfall, and how long saving might take.DepositBuying
  4. Step 4Mortgage Repayment CalculatorEstimate monthly payments, total repaid and total interest, with a year-by-year amortisation schedule.MortgageRepayment
  5. Step 5First-Time Buyer Costs CalculatorAdd up deposit, property tax, legal fees, survey, mortgage fees and moving costs — every assumption editable.CostsBuying
  6. Step 6Stamp Duty Calculator (SDLT, LTT & LBTT)Property transaction tax for England, Wales, Scotland and Northern Ireland, with first-time buyer relief and a full band breakdown.CostsBuying
  7. Step 7Estate Agent Fees & Solicitor Costs CalculatorCompare sole agency, multi agency and fixed online estate agent fees, and estimate conveyancing solicitor costs, VAT and disbursements.CostsBuying
  8. Step 8Loan-to-Value (LTV) CalculatorSee your loan-to-value, your equity, and how much more deposit would move you into the next LTV band.MortgageDeposit
  9. Step 9Mortgage Overpayment CalculatorEstimate the interest and time you could save by overpaying monthly or with an annual lump sum.MortgageRepayment
  10. Step 10Remortgage CalculatorCompare your current payment with an illustrative new deal, including fees and a break-even period.RemortgagingMortgage

Browse by topic

Buying

Mortgage

Deposit

Costs

Repayment

Remortgaging

Illustrations, not advice

These tools provide general information and illustrative figures. They do not take your full circumstances into account and are not personalised financial advice. For advice, speak to a qualified mortgage adviser regulated by the Financial Conduct Authority.

Frequently asked questions

Are these mortgage calculators free to use?

Yes. Every calculator on the site is free, needs no sign-up, and runs entirely in your browser — the figures you enter are not sent to us.

Are the results a mortgage offer?

No. Every result is an illustration based on the figures you enter and the assumptions we publish on each page. Only a lender can tell you what you can borrow.

Which calculator should I start with?

Start with the Mortgage Affordability & Buying Budget Calculator. It gives you a borrowing range and a property budget, then points you to the deposit, repayment and buying-cost tools.

Do the calculators cover Scotland, Wales and Northern Ireland?

Yes. Property transaction tax is calculated separately for SDLT in England and Northern Ireland, LTT in Wales and LBTT in Scotland, using rates stored with their source and review date.