A mortgage offer isn't the same as what you can really spend. Enter your savings and income to see the most you could pay, after the deposit, every buying cost and tax, and common lending limits. Free.
Costs on top of the price
£4,900
Moving home · England & N. Ireland ·
What do you want to work out?
The most you could pay, from your savings and income, after the deposit, buying costs and usual lending limits.
You could buy a home up to about
Mortgage
£247,500Deposit
£66,881Buying costs
£8,119Monthly repayment
£1,376If rates rise 1%
£1,520Savings used
£75,000A rough guide from common lending limits in the United Kingdom (up to about 4.5 times income, at most 95% of the price, terms up to 35 years). Not a mortgage offer or advice: lenders look at your debts, spending, credit history and the home itself. Your home may be repossessed if you do not keep up repayments on your mortgage.
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Reach people working out the cost of buying in the United KingdomFor lawyers, brokers, surveyors and agents serving the United Kingdom. Shown only on these pages, labelled as sponsored.Where are you buying?
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Questions
Lenders in the United Kingdom commonly lend up to about 4.5 times your household income before tax, if your spending and debts allow it.
Lenders usually lend up to about 95% of the price to people who live in the United Kingdom, so you need a deposit of at least 5%. On top of that, buying costs come to about 2.0% of the price. If you live abroad, many lenders lend at most 75%.
Moving home in England & N. Ireland: stamp duty is about £2,500. All buying costs together come to about £4,900, or 2.0% of the price. Change the price or buyer type above to see your own figure.
In England and Northern Ireland, buyers who haven't lived in the UK for 183 days in the year before buying pay an extra 2% stamp duty. Scotland and Wales have no non-resident surcharge.
Anyone can buy, whatever their nationality.
A UK solicitor or licensed conveyancer. ID and proof of where your money comes from.
We last updated the figures on 15 Oct 2026 and checked them against official sources on 16 Oct 2026. We check every country every week, and show a warning if a check is overdue.
Guides
Buying in the United Kingdom?
CasaAlpha Deals checks and rates thousands of repossessions, auctions and price-cut homes every night. Free to join.
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