This calculator is a really helpful starting point if you’re buying your first home. It gives you a clear picture of your deposit, your upfront costs, and any Stamp Duty you may need to pay as a first‑time buyer.
But nothing is a substitute for proper advice. Every buyer’s situation is different — your income, your credit profile, your deposit, your goals — and the right guidance can make a huge difference to what you can borrow and how smoothly the process runs.
So get in touch with us and we’ll walk through your figures in more detail, explain your options clearly, and help you take the next step towards owning your first home with confidence.
First time buyer FAQ SECTION
Most first‑time buyers pay no Stamp Duty up to £300,000. Between £300,000 and £500,000, you pay 5% on the portion above £300,000.
Most lenders require at least 5%, but a larger deposit can unlock better rates. This calculator shows your total deposit available.
Typically: legal fees, survey costs, broker fees, and Stamp Duty (if applicable). Your calculator totals these automatically.
This depends on your income, commitments and credit profile. Get in touch and we’ll run through your affordability in detail.