Finance Planner
Three tools — stamp duty, mortgage and a value forecast — all driven by one adjustable price. See the total cost of buying and how your equity could grow.
Three tools sit below — Stamp Duty, Mortgage and a Future Value forecast — and all of them read from the single price you set at the top. Move the price slider once and every tax, monthly payment and projection updates instantly, so you can pressure-test your offer before you commit. Figures are indicative guidance to help you plan, not a mortgage offer or formal valuation.
Automated valuation used as the starting price below. Adjust the slider to model your own offer.
Median £/area from 12 nearby comparable properties applied to this property's floor area — indicative guidance only.
Stamp Duty Estimator
Indicative Stamp Duty Land Tax (England & NI) at the selected house price.
Stamp Duty Land Tax (or its Scottish and Welsh equivalents) is a one-off tax charged when you buy a home. The amount depends on the price, whether you're a first-time buyer and whether it's an additional property. Use this to budget the cash you'll need on top of your deposit — it's usually paid within 14 days of completion.
| Band up to | Rate | Tax |
|---|---|---|
| £125,000 | 0% | £0 |
| £250,000 | 2% | £2,500 |
| £925,000 | 5% | £15,150 |
Stamp Duty Land Tax (England & NI) rates applied based on the property postcode (ZZ9 9ZZ). Indicative only; confirm with your conveyancer.
Mortgage Comparison Planner
Compare three scenarios side-by-side. Adjust deposit, interest rate and term to see monthly cost and how quickly the balance clears.
A mortgage is the loan that funds most of a property purchase. This tool lets you compare three deposit, rate and term combinations side by side so you can weigh monthly affordability against total interest paid. Bigger deposits and shorter terms mean less interest but higher monthly payments; smaller deposits free up cash now but cost more over the life of the loan. Adjust each scenario's sliders to see the effect.
| Metric | S1Scenario 1 | S2Scenario 2 | S3Scenario 3 |
|---|---|---|---|
| Deposit | £55,300 | £82,950 | £138,250 |
| Deposit % | 10% | 15% | 25% |
| Loan amount | £497,700 | £470,050 | £414,750 |
| Interest rate | 5.25% | 4.50% | 4.00% |
| Term | 30 years | 25 years | 20 years |
| Monthly payment | £2,748 | £2,613 | £2,513 |
| Total interest | £491,694 | £313,757 | £188,443 |
| Total repaid | £989,394 | £783,807 | £603,193 |
Future Value Forecast
Project the future value of this property under a chosen annual growth rate. Illustrative — not a forecast.
Property values rise and fall over time. This tool projects the property's value at a growth rate you choose, so you can see how much equity you might build — and how exposed you'd be if prices fell. Try a negative rate to stress-test a downturn. It's a planning aid, not a prediction; real growth depends on the market, the property and the wider economy.
| Year | Projected value | Gain vs today |
|---|---|---|
| Year 0 | £553,000 | +£0 |
| Year 2 | £592,387 | +£39,387 |
| Year 4 | £634,580 | +£81,580 |
| Year 6 | £679,778 | +£126,778 |
| Year 8 | £728,195 | +£175,195 |
| Year 10 | £780,061 | +£227,061 |
All data on this page is fictional and for demonstration only — the address, prices, sales, planning records, schools and risks do not describe any real property.