Home decisions
Test borrowing capacity, deposit timing, mortgage stress and the full cost of buying or owning a home.
Check mortgage affordabilityQuick start
Featured tools
Indicative budget from explicit affordability assumptions.
Open →Standard amortising mortgage payment and interest.
Open →Estimate the time to a deposit target.
Open →Compare modeled renting and buying wealth outcomes.
Open →Mortgage plus maintenance, insurance and entered recurring costs.
Open →Standard England/Northern Ireland SDLT plus entered purchase costs.
Open →Estimate interest and time effects from extra payments.
Open →Stress-test higher mortgage-rate scenarios.
Open →Estimate gross and net yield.
Open →Model cash flow and value-change assumptions.
Open →Model vacancy, financing and operating costs explicitly.
Open →Key comparisons
How to read the result
An affordability estimate is not lender approval. Test rates higher than the base case and keep deposit, buying costs and post-purchase cash reserves separate.
Accuracy boundary
Buying-tax logic is date- and jurisdiction-sensitive. The UK buying-cost calculator states the exact rule scope and excluded reliefs.
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