Check whether a property is genuinely affordable once the mortgage, council tax, energy, insurance, service charges and maintenance are included.
A mortgage offer is only part of the picture. This calculator estimates the real monthly cost of owning a specific property, including the costs buyers often forget.
Useful checks before you fall in love with the house.
Browse budgeting, household cost and home planning calculators.
View hubIt includes mortgage payments, council tax, buildings insurance, energy, broadband, service charges, ground rent, maintenance and upfront buying costs.
No. This is more of a real house cost calculator. It looks beyond what the bank may lend and estimates what the house may cost to live in.
Because homeowners eventually pay for repairs. Boilers, roofs, leaks, fences, windows and general wear can all become expensive without a monthly buffer.
A lower EPC rating can mean higher heating costs and possible future upgrade costs, especially with older or poorly insulated homes.
Under 35% of monthly take-home income is usually more comfortable. Over 45% may feel stretched, and over 50% can become risky.
Yes. Service charges, estate charges and ground rent should be treated as part of the monthly cost of owning the home.
No. This calculator focuses on the property itself. For wider budgeting, use the family, single person or student cost calculators.
No. Stamp Duty rules can vary depending on buyer status and property circumstances. Always confirm the final figure with your solicitor or conveyancer.
