UK Residential Property Purchase Calculator

Purchase Summary & Projections

Total Upfront Costs

£0

Cash You Must Provide

£0

Monthly Mortgage

£0

Total Monthly Outgoings

£0

Annual Price Growth Rate (%):

After 5 Years

£0

After 10 Years

£0

After 20 Years

£0

1. Buyer & Property Details

Property Purchase Price (£):

First-Time Buyer?

Is this an additional property?

UK Resident for tax purposes?

Property Type:

2. Mortgage Details

Loan to Value (LTV) (%)

Deposit Required (£):

£0

Mortgage Required (£):

£0

Annual Interest Rate (%):

Mortgage Term (Years):

Mortgage Type:

3. Government Schemes

Purchase Scheme

Using a Lifetime ISA (LISA)?

4. Upfront Purchase Costs

Legal/Conveyancing Fees (£):

Local Searches Fees (£)

Mortgage Arrangement Fee (£):

Mortgage Booking Fee (£):

Add product fees to mortgage?

Valuation/Survey Costs (£)

Home Buyer Insurance (£):

Bank Transfer Fee (£):

Land Registry Fee (£):

£0

Stamp Duty Land Tax (SDLT) (£)

£0

5. Initial Property & Moving Costs

Contingency/Repairs Fund (2%):

Furnishing & White Goods (£):

Removals Costs (£):

6. Ongoing Monthly Costs

Council Tax (per month) (£):

Buildings Insurance (per month) (£):

7. Affordability Stress Test

Gross Annual Income (£):

Monthly Credit Commitments (£)

Indicative Maximum Loan (£)

£0

Debt-to-Income Ratio (%)

Affordability Status:

Calculations are for properties in England & Northern Ireland. SDLT rates are correct as of August 2025. This tool provides estimates only and does not constitute financial advice. Always consult a qualified mortgage advisor.

Residential Property Purchase Model

A calculator for prospective homeowners