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Mortgage Checker 🏡

Find out exactly how much you need to buy your first home in the UK. Deposit, salary, repayments, stamp duty, overpayments, all in one place.

£
£50k £500k £1M
£

This affects your stamp duty

£25,000 of £250,000
%

UK 5-year fixed avg

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📋 Your results

💷 Your monthly payment
-
- PRINCIPAL
Principal (first month) -
Interest (first month) -
-
of your gross income
-

Affordability check

How much of your gross income goes on the mortgage.

0% 28% 35% 50% 100%
Comfortable
Under 28%
Stretching
28–35%
Tight
35–50%
Very tight
Over 50%

Deposit needed
-

Stamp duty
-

Mortgage amount
-

Salary check
-

mymortgagecheck.co.uk
Estimated upfront cost
Rough guide · actuals will vary
HOUSE PRICE £250,000
Deposit (10%) -
Stamp duty -
Solicitor fees -
Survey -
Moving costs -
Valuation fee -
Mortgage advisor -
Mortgage product fee -
TOTAL UPFRONT -
COMPOSITION
Figures are typical UK sample amounts. Your solicitor, survey, and lender fees may differ.

House Buying Tools

First Time
Buyers'
Guide 2026

HC
First-Time Buyer's Guide
Available as PDF to download · Instant download
Mortgages mymortgagecheck.co.uk
House Viewing
+ Move-In
Checklist
2026 Edition
House Viewing + Move-In Checklist
Available as PDF to download · Instant download
Checklists mymortgagecheck.co.uk
📞

Need expert help?

Book a free call with a mortgage adviser who specialises in helping UK immigrants and first-time buyers.

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⭐

Full breakdown

💰 Total cost over term

£458,280

🔥 Total interest paid

£233,280

Overpayment savings

+£100/month → Save £23,400 and finish 4 yrs early

+£200/month → Save £41,200 and finish 7 yrs early

Rate stress test

At 6.5% → £1,456/month (+£183)

🔓

Go premium for the full picture

✨ ONE-TIME PAYMENT
  • 📊 Mortgage amortisation chart
  • 💸 Overpayment calculator (save thousands)
  • 📈 What if interest rates change?
  • 💡 Ways to save faster (ISAs & more)
  • ⏱️ Deposit savings timeline
  • 📥 Downloadable PDF breakdown

💳 One-time payment only · Not a subscription

💰 Total cost over term

-

🔥 Total interest paid

-

What you'll actually pay

Principal vs interest over the full term.

- IS INTEREST
Principal (what you borrowed) -
Interest (cost of the loan) -
See breakdown Year-by-year principal & interest
Year Principal Paid Interest Paid Balance Remaining

💸 Overpayment calculator

See how overpaying could save you thousands and help you become mortgage-free sooner.

£ /month

On top of your normal monthly repayment

£

A single payment to reduce your balance right away (set to 0 if none)

⚠️ Most mortgage lenders allow you to overpay up to 10% of your outstanding mortgage balance per year without penalty. Check your mortgage terms before making overpayments, as early repayment charges may apply.

📊 Rate stress test

Drag the slider to see how a different rate would change your monthly payment.

Your rate: 5.77%
No change
−2% −1% now +1% +2% +3%
Your monthly repayment stays the same
£1,316
same as your plan

⏱️ Deposit savings timeline

How long until you have enough for your deposit?

£
£
Already saved
£0
Still to save
£25,000
Ready by
-

💡 Ways to save faster

Accounts built for first-time buyers, pick what fits your timeline.

🏦
25% bonus
Lifetime ISA
Ages 18–39
Save up to £4,000/year, government tops up 25% (extra £1,000/yr free). Cash or stocks & shares. Open before 40, pay in until 50.
Property capped at £450k, first home only, 25% withdrawal penalty
Open a Lifetime ISA →
💰
Tax-free
High-yield Cash ISA
Plum (recommended)
Save up to £20,000/year tax-free. Plum currently pays 4.60% AER (variable, includes a 12-month bonus) which drops to 2.54% AER after the first year. Other options include Trading 212 and Tembo.
The rate includes a 12-month introductory bonus, so review your options after the first year. It is easy-access, but making withdrawals can reduce the rate you earn. Best suited for saving towards a deposit over 1 to 3 years.
See Plum's current rate →
🏠
Purpose-built
Tembo Home Saver
Tembo
A savings account designed specifically for building a house deposit, currently paying 4.25% AER (variable). Includes savings tracking tools and mortgage readiness guidance.
You are expected to use Tembo's mortgage advice service when you are ready to buy. This is not an ISA, so any interest above your Personal Savings Allowance is taxable. The rate is variable and may change. Works best alongside a Lifetime ISA for maximum savings.
See details on tembomoney.com →
Affiliate links · we may earn a commission if you open an account, at no cost to you. This is not financial advice, always read the provider's T&Cs.
🏡

Ready to take the next step?

Book a free initial call with a mortgage adviser who specialises in helping UK immigrants and first-time buyers get on the property ladder.

Book your free call

No obligation · Completely free initial consultation