Can you afford your dream home?

See what your savings could unlock, what the mortgage might cost, and the expenses that are easy to miss.

Your deposit timeline
Your mortgage scenarios
The costs people miss

No signup. Rough numbers are fine. About 3 minutes.

Step 1 of 4

Your home savings

How much have you saved for your home so far? How much are you adding each month? When will you start saving this amount? Keep this month to start now, or choose a future month.

Nothing is saved. Your answers clear when you leave.

Step 2 of 4

Picture the home

Which part of the UK are you considering?

England or Northern Ireland Scotland Wales Not sure

What home price are you thinking about? I am not sure yet

What kind of home are you picturing?

House Flat Not sure

Step 3 of 4

How might you buy?

Which route should we model?

Buy the whole home Use a deposit and mortgage for the full price. Shared ownership Buy a share, then pay rent on the rest. Not sure Start with a standard purchase and compare later.

What do these routes mean?

Buy the whole home

You own the property. A larger deposit can reduce the mortgage and monthly repayment.

Trade-off: more cash is usually needed upfront.

Shared ownership

You buy 10% to 75% and pay rent on the share you do not own.

Trade-off: lower deposit, but rent and service charges remain.

Would everyone buying be a first-time buyer?

Yes No Not sure

Step 4 of 4

What would feel comfortable later?

Set your deposit target and a monthly mortgage payment you could live with.

What percentage deposit are you aiming for? Try 10% if you are unsure. Buying costs are added separately.

How much would you put towards a mortgage each month? Not sure yet Use £1,500 as a starting point. You can adjust it on your plan.

What is your combined yearly income before tax? Optional. It lets us show a rough lender-style borrowing check. I would rather skip income Your plan still works without it.

Your live plan

Your home plan is ready

Your monthly home estimate

Every month

Your monthly breakdown

Mortgage repayment
Rent on the unowned share
Repairs and maintenance cushion
Bills and home insurance
Service charge

Your assumptions

Try another version

Home price

Deposit target

Interest rate %

Mortgage term years

Adjust the costs people miss

Yearly repair cushion

Bills and insurance

Service charge

Furnishings

Legal, survey and moving

Mortgage setup

Choose how the mortgage is repaid

Repayment method Repayment Interest-only Part-and-part

How should the rate behave?

Fixed Tracker

Cash ready in

Mortgage

Cash before moving

Property tax estimate

Before you move

Cash to prepare

Deposit target
Property tax estimate
Legal, survey and moving
Furnishings
Total

How the balance changes

Repayment



End: £0

Part-and-part



End

Interest-only



End

Your borrowing check

Three deposit paths

See the trade-off

A planning view, not a mortgage offer

Lenders use their own affordability checks. Rates, tax, rent, bills and repair costs can change. Check figures with a mortgage adviser, lender and solicitor before you act.

Sources and assumptions

Repayment and interest-only mortgages: MoneyHelper
Part-and-part mortgages: MoneyHelper
Fixed and tracker rates: MoneyHelper
England and Northern Ireland property tax: GOV.UK
Scotland and Wales rates: Scottish Government and Welsh Government

Ready to make it real?

Turn your home plan into progress

Build a budget around your goal, track your savings and test new scenarios as life changes.