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Home Buying Tools
A connected path for mortgage, deposit, and completion-cost decisions.
Last reviewed 15 August 2026 · CalculatorZone editorial team
Home buying works better when you check borrowing power, completion cash, and the rent-versus-buy question before you focus on listings.
Part of an independent portfolio of online tools helping users make smarter decisions.
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Mortgage Calculator
Start with the monthly payment and total interest.
mortgage calculator tools
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Mortgage Affordability Calculator
Check borrowing range before you view homes.
mortgage affordability tools
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Stamp Duty Calculator
Budget for SDLT before you fix your offer range.
stamp duty tools
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Closing Costs Calculator
See the full cash needed to complete the deal.
closing costs tools
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Mortgage Overpayment Calculator
Test whether extra payments beat keeping the cash.
mortgage overpayment tools
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Loan-to-Value Calculator
See which LTV band you land in.
loan to value tools
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Deposit Savings Calculator
See how long the deposit route takes.
deposit savings tools
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Rent vs Buy Calculator
Test the rent-versus-buy call with real numbers.
rent vs buy tools
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Buy-to-Let Yield and Landlord Profit
Check rent, costs, tax, and returns before you invest.
buy to let tools
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Refinancing Calculator
See the break-even point for a remortgage.
refinancing tools
Who this page is for
This hub is for first-time buyers and movers in the UK who want to know what they can afford, what the purchase will really cost, and how long the deposit will take — before they book viewings.
How these tools were chosen
The calculators were chosen to follow the actual sequence of a purchase: check affordability, plan the deposit, budget for stamp duty and completion costs, then stress-test the mortgage. Rate-dependent pages show the source and period checked where a review has been recorded.
Highlighted calculators
Where to start
Mortgage Affordability Calculator
Estimate the borrowing range lenders may offer from income and commitments.
Mortgage Calculator
See monthly repayments and total interest for a given loan, rate, and term.
Stamp Duty Calculator
Budget for SDLT at current buyer rates, including first-time buyer relief.
Deposit Savings Calculator
Work out how long it will take to reach your target deposit.
First-Time Buyer Mortgage Stress Test
Check whether repayments stay affordable if rates rise after your deal ends.
How to get the most from these tools
- Run affordability before browsing listings — it sets a realistic ceiling and avoids wasted viewings.
- Add stamp duty, legal fees, survey, and moving costs to the deposit figure, not just the percentage the lender asks for.
- Results use standard formulas and the assumptions shown on the page. A lender's actual offer depends on their underwriting, so treat outputs as a planning range and confirm with a broker or lender.
Free resources
Shared lead capture across the network
Request the buyer checklist, business toolkit, finance planner, or productivity pack through our contact path.
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