01Cash & LTV
Deposit
Work out the cash you can actually use and what loan-to-value that could support.
Worth knowing
Keep the deposit separate from legal fees, tax and moving costs so the LTV picture stays realistic.
My home · First-time buyer
Get mortgage-ready at your own pace.
The point is to show you what matters, what you already have in place and what to work on next — before you ever need to book an appointment.
Your roadmap
Four building blocks
Review each area when you understand the position well enough to move on. This is preparation progress, not mortgage eligibility.
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→Plan my deposit →
Suggested next step
Review deposit next.Keep the deposit separate from legal fees, tax and moving costs so the LTV picture stays realistic.
02Income & commitments
Affordability
Understand the income, commitments and household information lenders typically assess.
Worth knowing
Treat an affordability estimate as a planning range, not a promise of what a lender will approve.
03Application readiness
Credit & history
Know what to check before making an application or leaving a credit footprint.
Worth knowing
Check factual accuracy, address history and recent credit activity before making avoidable applications.
04Purchase budget
Buying costs
Keep fees and other costs separate so your deposit is not overstated.
Worth knowing
Allow for property tax, legal work, valuation or survey costs, removals and a sensible contingency.
Your progress is saved privately on this device. You do not need to create an account.
Put the numbers together
Build one first-home roadmap instead of using each calculator in isolation.
Combine your target property price, deposit, buying costs, saving pace and an illustrative mortgage payment. The roadmap then shows the gaps and likely next actions.
Before an adviser review
Useful preparation checklist
- Set a realistic deposit target
- Keep a separate allowance for buying costs
- Review your credit reports
- Gather income and bank evidence
- Test the likely monthly payment at several rates
- Ask for a professional sense-check when you want one
Human help is still one click away.
Choose a local professional, send an enquiry or request a callback when you decide it would be useful.