Property Affordability

See what you can afford before you view; deposit, LTV, tax and repayments, worked out instantly and entirely offline. Enter a postcode to check the local area e.g schools

Property Affordability Calculator tells you exactly what you can afford, breaking down sale price and purchasing power. Also check the local area before you view a house, schools, amenities, planning applications, transport links and more.

Selling your home and buying your next one? Enter your sale price, remaining mortgage and selling costs to see your equity. Add your savings, then enter a purchase price to see property tax, buying costs and your deposit — worked out automatically. First-time buyer with no property to sell? One toggle hides the sale side entirely.

FEATURES

Sale Sale price, remaining mortgage, exit fees, estate agent fees, solicitor costs and moving costs, with optional VAT handling on each.

Purchase Purchase price, buyer type (first-time buyer, standard, or second home) and instant property tax — Stamp Duty (SDLT) for England & Northern Ireland, Land Transaction Tax (LTT) for Wales, and Land and Buildings Transaction Tax (LBTT) for Scotland, using current 2026–27 bands.

Results Your deposit percentage, loan-to-value (LTV), the mortgage you'll need, and a clear affordability verdict — colour-coded from "not affordable" to "20%+ deposit".

Repayments Compare capital repayment vs. interest-only mortgages. Adjust the term (5–40 years) and interest rate to see your monthly payment, total interest and total repaid.

UNLOCK PREMIUM A single one-time purchase — no subscription, no ads. Premium adds:

Postcode checker - see key information about the area, schools, transport links and amenities, planning applications, EPC ratings, and air quality indicators. Offer-price what-if - model a lower offer and watch the deposit, tax and LTV shift instantly. Overpayment calculator - add a monthly overpayment and see the years and interest you'd save. Rate-rise stress test - see your payment at +1%, +2% and +3%, the way lenders stress affordability. Save & compare scenarios - store named scenarios and put two or three side by side. PDF export - share a clean summary with a partner, broker or solicitor, including a side-by-side comparison of your saved scenarios.

PRIVATE BY DESIGN Every calculation happens on your device. No internet connection, no accounts, no ads, no analytics, no data collection of any kind. Saved scenarios stay on your phone. What you enter never leaves it. Whether you're a first-time buyer working out your deposit, or moving up the ladder and juggling a sale and purchase at once, Property Affordability Calculator gives you clear numbers in seconds. Note: property tax figures are estimates for guidance only — always confirm with your solicitor.