Free, accurate calculators covering every cost of buying a home in the UK — stamp duty, mortgage affordability, buying costs, and more. No guesswork. No sign-up.
15 tools covering the complete property buying journey — from first search to rental investment.
Calculate SDLT, LBTT or LTT for any buyer type across England, Scotland or Wales. Handles first-time buyers, second homes, buy-to-let, and non-UK residents.
Calculate nowFind out how much you can borrow based on your income, outgoings and deposit. Uses real lender income multiples from major UK banks.
Calculate nowThe only calculator that adds everything up — stamp duty, conveyancing, surveys, Land Registry fees, mortgage arrangement, searches, insurance and removals. Know the real cash you need on the day you complete.
Get full estimateFind out which government schemes you qualify for — Lifetime ISA, Shared Ownership, Mortgage Guarantee Scheme, First Homes and more.
Check eligibilityCalculate gross yield, net yield, monthly cash flow and ROI for any buy-to-let property. Includes Section 24 tax impact and BTL stamp duty.
Analyse propertyCompare the true 10-year cost of renting versus buying. Accounts for house price growth, investment returns and equity.
Compare nowCalculate how long to save your deposit with a monthly savings plan. Includes LISA government bonus and Help to Buy ISA.
Plan savingsGet a complete personalised breakdown of every cost involved in your specific purchase — all in one place.
Get summaryEstimate the cost of extending a lease or buying the freehold. Essential before buying any leasehold property.
Calculate nowCompare your tax liability as a private landlord versus owning through a limited company under Section 24 rules.
Compare taxModel the financial impact of delaying your purchase by 1, 2 or 3 years. See how price growth and savings interact.
Model delayWalk through the full UK buying process chapter by chapter. Interactive, with calculators at every key decision point.
Start journeyPlain-English definitions of every term and acronym you will encounter — from AIP to SVR, LTV to CHAPS.
Browse termsGet notified within 5 minutes of every Bank of England rate decision. Free email alert with your personal mortgage impact.
Set up alertsFind out which government schemes you qualify for — Lifetime ISA, Shared Ownership, First Homes and more.
Check eligibilityNo account needed. No email required. Just honest numbers.
Choose from stamp duty, mortgage affordability, total buying costs, first-time buyer schemes, or rental yield.
Input your price, income, deposit or rent. Our forms are simple and clearly labelled — no jargon.
See a full itemised result instantly — with band-by-band breakdowns, rate explanations and direct links to official HMRC sources.
Stamp duty varies significantly across the UK. Our calculators handle all three devolved regimes correctly.
0% up to £125k. First-time buyers pay 0% up to £300k. 5% surcharge for second homes. Updated April 2025.
0% up to £145k. Additional Dwelling Supplement at 8% flat rate on total price. Increased December 2024.
UK's highest nil-rate at £225k. Separate rate table for additional properties — no FTB relief available.
Key figures used across our calculators. Mortgage rates updated weekly.
Join 4,200+ UK buyers. We email you within 5 minutes of every Bank of England decision. Free, always.
No spam · Unsubscribe any time · Free forever