Mortgages

House Deposit Calculator

Turn a property-price goal into a deposit target, then include the often-forgotten cash costs around buying so the plan is based on more than the deposit alone.

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Property target

Start with the home price and mortgage LTV you want to plan around.

£
A lower LTV requires more deposit but may open different mortgage pricing.
£
Legal fees, survey, moving costs and any property tax you expect to pay.

Your savings plan

Show how close you are to the full cash requirement.

£
£
% AER

Your estimate

Use the result as a planning guide and change inputs to test the assumptions that matter most.

How this calculator works

The required deposit is calculated from the target property price and desired loan-to-value ratio. Buying costs are added separately to create a broader cash target. Your current savings and monthly contributions are then compared with that target.

How to use it

  1. Enter the property price you are aiming for.
  2. Select the LTV you would like to target.
  3. Add an estimate for legal, survey, moving and other buying costs.
  4. Enter your existing savings and monthly contribution.
  5. Compare the cash gap and test how a different property price or LTV changes the plan.

Assumptions and limitations

This calculator does not automatically add Stamp Duty, LBTT or LTT because those depend on jurisdiction and buyer circumstances. Use the relevant property-tax calculator separately and include the result in buying costs where appropriate. Mortgage availability and pricing are lender-specific.