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Buying a Home

Work out a realistic budget, upfront cash, stamp duty, and the early numbers before comparing mortgage products.

First-time buyer journey

Follow the buying numbers in order.

Move from affordability to buying costs, deal comparison, and early ownership planning.

Overall progress

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Affordability

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Journey stage

Understand budget, deposit, borrowing range, repayment pressure, and the first home-buying checks.

Journey stage

Move from headline budget to stamp duty, fees, surveys, moving costs, and cash needed.

Calculator

Estimate a possible UK mortgage amount, property value, deposit percentage, LTV, and monthly repayment.

Calculator

Estimate residential SDLT, buying fees, total upfront costs, and cash required.

Guide

Learn how borrowing estimates, deposit size, and LTV fit together before buying.

Lesson

Learn how income multiples, deposit, LTV, and affordability caps are estimated.

Lesson

See how SDLT bands, buyer status, and surcharges are calculated step by step.