A practical planning site for UK buyers

Smart Mortgage Planner is designed to help UK buyers sense-check a housing decision before they speak to a lender, broker, or solicitor. The calculators aim to make the main trade-offs visible rather than hide everything behind a lead form.

The site focuses on a small number of planning questions: how much borrowing looks realistic, what overpaying changes, when buying starts to make more sense than renting, and how much upfront cash a purchase is likely to need.

These tools are intentionally transparent and simplified. They are useful for scenario testing, not for regulated advice or lender-specific underwriting decisions. You can review the assumptions and disclaimer pages for more context.