Realistic mortgage planning for UK buyers
Tools that help you decide, not just generate a monthly number.
Pressure-test affordability, model overpayments, and compare renting versus buying with clear assumptions and fast, transparent outputs.
What the MVP does well
- Shows how deposit size changes borrowing range and monthly payments.
- Highlights stress-rate scenarios instead of assuming today's rate lasts forever.
- Lets you compare renting and buying without hiding the assumptions.
Core tools
The first three calculators
Each page answers a real planning question even before you touch the inputs.
Mortgage affordability calculator
Estimate borrowing power, monthly repayments, and how stress rates affect your comfort zone.
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Mortgage overpayment calculator
See how regular or one-off overpayments change the payoff date and total interest bill.
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Rent vs buy calculator
Compare the likely long-term trade-off between renting and buying under editable assumptions.
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Principles
Clear inputs. Clear assumptions. Clear caveats.
This site is built as an educational planning tool. The formulas are deterministic, the outputs are marked as estimates, and every calculator links back to its assumptions.
The goal is to help buyers sense-check a decision before speaking to a broker or lender, not to replace regulated advice.