⚠️ This tool provides estimates only. Consult a mortgage advisor before committing.
This tool helps you estimate the total upfront cost and monthly repayments for purchasing a property in the UK. It includes optional fees such as search costs, land registry, and mortgage product fees.
Whether you're buying a buy-to-let, residential, or commercial property, this UK property affordability calculator will help you plan realistically based on your available deposit and budget.
This tool calculates your total upfront costs (deposit, stamp duty, legal fees, etc.) and estimates monthly mortgage repayments based on your chosen interest rate and loan term.
Yes. It uses typical UK lender criteria, including 65% loan-to-value (LTV) for commercial and buy-to-let mortgages, and standard legal and admin fees.
You can, but leasehold purchases often include additional ground rent or service charges not included in this calculator. Use this tool as a guide, then speak to our team for a full breakdown.
No. This calculator assumes a repayment mortgage. If you’re considering an interest-only option, please speak to a qualified broker or contact T Samuel.
As a rule of thumb, your monthly income should comfortably exceed your monthly repayments. Many lenders will stress test affordability — use this tool to get a rough monthly figure.
Yes. It’s designed for buyers purchasing in areas like Aberdare, Mountain Ash, Merthyr Tydfil, Pontypridd, and the wider South Wales Valleys.
Once you know your affordability, we recommend speaking with our team to view suitable properties or get a formal valuation to support your purchase plans.
Yes, prices and upfront costs vary by location. Aberdare and Mountain Ash may offer better value per square foot than areas closer to Cardiff. Use this calculator to compare based on local asking prices.
Absolutely. Whether you're buying a retail unit, office space, or light industrial premises, this calculator will help you understand the costs before making an offer.
Yes. T Samuel can provide professional valuations, including RICS Red Book reports, which are often required for mortgage approval.
⭐⭐⭐⭐⭐
