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.
- Mortgage Calculator
Start with the monthly payment and total interest.
- Mortgage Affordability Calculator
Check borrowing range before you view homes.
- Stamp Duty Calculator
Budget for SDLT before you fix your offer range.
- Closing Costs Calculator
See the full cash needed to complete the deal.
- Mortgage Overpayment Calculator
Test whether extra payments beat keeping the cash.
- Loan-to-Value Calculator
See which LTV band you land in.
- Deposit Savings Calculator
See how long the deposit route takes.
- Rent vs Buy Calculator
Test the rent-versus-buy call with real numbers.
- Buy-to-Let Yield and Landlord Profit
Check rent, costs, tax, and returns before you invest.
- Refinancing Calculator
See the break-even point for a remortgage.
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.
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.