Home Buying Tools
Your digital mortgage coach. Calculate affordability, plan your savings, and track your journey to homeownership.
Set your target property price to calculate LTV and deposit percentage
Combined Annual Income
£35,000
Maximum You Could Borrow
£157,500
Based on 4.5x income. Some lenders offer up to 5.5x for professionals.
Maximum Property Price
£177,500
Borrowing + your £20,000 deposit
Consider saving more for better rates.
Frequently Asked Questions
Most lenders require a minimum 5% deposit, but 10-15% will give you access to better rates. With a 5% deposit on a £250,000 property, you'd need £12,500.
Most lenders will offer 4-4.5 times your annual income. Some specialist lenders may offer up to 5.5x for certain professionals. A couple earning £70,000 combined could typically borrow £315,000.
First Homes offers first-time buyers a 30-50% discount on new-build homes. You must be a first-time buyer, earn under £80,000 (£90,000 in London), and buy with a mortgage.
With the average UK first-time buyer deposit at £62,000 and saving £500/month, it would take around 10 years. However, schemes like Lifetime ISA provide 25% government bonus on savings up to £4,000/year.
Ready to Take the Next Step?
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Content reviewed: 13 January 2026