Work the numbers.
Three calculators, nothing to sign up for. The figures are a guide; a broker will give you exact ones for your circumstances.
Monthly payment
- Total paid over the term
- £0
- Of which interest
- £0
Assumes the rate stays the same for the whole term. Most deals fix for two to five years and then change.
Typical borrowing range (4 to 4.5 × income)
- Property price you could reach
- £0
- Loan-to-value at the top of the range
- –
Lenders also subtract loans, car finance, childcare and card balances, and some lend more than 4.5× for higher earners or certain professions. Treat this as a starting point.
Stamp duty (SDLT) in Northern Ireland
Rates for England and Northern Ireland from 1 April 2025. First-time buyers: 0% to £300,000, 5% to £500,000, no relief above £500,000. Standard: 0% to £125,000, 2% to £250,000, 5% to £925,000, 10% to £1.5m, 12% above. Additional properties: +5% on each band from £40,000. Source: GOV.UK.
Stamp duty to pay
- Effective rate
- 0%
Payable to HMRC within 14 days of completion; your solicitor normally handles it.
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