Homebuyer tools · England and Wales · 10 calculators
Clear figures for the decisions around a home.
Free calculators for mortgages, moving costs and buyer decisions. Every tool explains its assumptions, limitations and calculation method.
Cluster 1
Mortgage
Understand the relationship between borrowing, repayments, deposit and loan-to-value.
Mortgage repayments
Estimate monthly repayments, total interest and the balance through the mortgage term.
Use this toolMortgage overpayments
Compare a mortgage with regular or one-off overpayments and see the possible time and interest saved.
Use this toolMortgage affordability
Explore a transparent illustrative borrowing range and stressed monthly-payment scenarios.
Use this toolDeposit and LTV
Translate between a property price, cash deposit, mortgage amount and loan-to-value.
Use this toolCluster 2
Purchase costs
Build a more complete view of the cash needed to buy, sell and move.
Stamp Duty (England)
Estimate residential Stamp Duty Land Tax using a dated rate configuration.
Use this toolLand Transaction Tax (Wales)
Estimate Welsh residential Land Transaction Tax using the applicable dated rate table.
Use this toolCost of buying a home
Bring a deposit, property tax and editable one-off buying costs into one cash budget.
Use this toolSelling and moving budget
Estimate net sale proceeds, onward costs and the remaining buffer or shortfall.
Use this toolCluster 3
Buyer decisions
Compare explicit scenarios and prepare better questions without pretending to predict the future.
Buy versus rent
Compare explicit buying and renting scenarios without treating assumptions as forecasts.
Use this toolEPC improvement planner
Explore an EPC’s current and potential score and prepare questions for an assessor or installer.
Use this tool