What a house actually costs.

Indicative modelling only — not financial, tax or mortgage advice.

Purchase Price (£)

Deposit (%) Term (years)

Overpaying Extra payment (£/mo)

Mortgage rate by deposit

The rate isn't one number — it steps down as your deposit grows. LTV (loan-to-value) is the share of the price you're borrowing, so a bigger deposit means a lower LTV and a cheaper band. These are indicative averages; edit any to match a real quote.

Up to 60% LTV 60–75% LTV 75–80% LTV 80–85% LTV 85–90% LTV 90–95% LTV

Buyer 1 — you First-time buyer Owns another property Selling it on or before completion

Buyer 2 — partner Buying jointly

First-time buyer Owns another property Selling it on or before completion

Costs & assumptions

Legal (£) Survey (£)

Broker (£) Lender fee (£)

Moving (£) Council tax (£/yr)

Insurance (£/yr) Maintenance (%/yr)

Calculating…

If this saved you some money, or just helped you understand the maths, feel free to buy me a coffee