Pro Calculator

Owner-Occupied Home Calculator

The true monthly cost of buying your own home — mortgage, stamp duty and fees.

🔒 The formula runs on the server — it is not visible in the page source.

Annual Price Growth Rate (%) Property Purchase Price (£) First-Time Buyer? ? A first-time buyer is someone who has never owned Is this an additional property? UK Resident for tax purposes? ? You are considered a UK resident for S Property Type Loan to Value (LTV) (%) ? The Loan to Value (LTV) is the size of your Annual Interest Rate (%) Mortgage Term (Years) Mortgage Type Purchase Scheme ? Select a government scheme if applicable. Shared Own Percentage Share to Purchase (%) Annual Rent on Unowned Share (%) Using a Lifetime ISA (LISA)? ? To use a LISA for a property purchase, Your LISA Savings (incl. bonus) (£) Legal/Conveyancing Fees (£) Local Searches Fees (£) ? These are checks your solicitor carries out Mortgage Arrangement Fee (£) Mortgage Booking Fee (£) Add product fees to mortgage? Valuation/Survey Costs (£) ? A mortgage valuation is for the lender's Home Buyer Insurance (£) Bank Transfer Fee (£) Contingency/Repairs Fund (2%) Furnishing & White Goods (£) Removals Costs (£) Council Tax (per month) (£) Buildings Insurance (per month) (£) Ground Rent (per year) (£) Service Charge (per year) (£) Gross Annual Income (£) Monthly Credit Commitments (£) ? Enter the total monthly payments for