Property Affordability

See what you can afford based on your sale price, remaining mortgage, fees, Stamp Duty and savings. Calculate indicative repayments based on LTV and required mortgage.

Property Affordability Calculator tells you exactly what you can afford before you view a single house.

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 stamp duty, buying costs and your deposit, worked out automatically.

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 stamp duty calculation using current England & Northern Ireland bands.

Results Your deposit percentage, loan-to-value (LTV), the mortgage you'll need, and a clear affordability verdict.

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.

PRIVATE BY DESIGN Every calculation happens on your device. No internet connection, no accounts, no ads, no analytics, no data collection of any kind. What you enter stays on your phone.

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: stamp duty rates are for England & Northern Ireland only.