Use our free calculators to see what you can borrow, what it'll cost, and how much tax you'll owe. When you're ready, we introduce you to our FCA-authorised mortgage broker partners — at New Build Lifestyle preferred rates.
Enter the purchase price, your deposit, interest rate and term to see your monthly repayment.
See what a lender may be prepared to lend you based on income, deposit and outgoings.
Calculate UK stamp duty land tax on a residential purchase in England or Northern Ireland.
Based on SDLT rates as of 2025. Different rates apply in Scotland (LBTT) and Wales (LTT).
Find out how long you'll take to save your deposit with a regular monthly contribution.
If you can't find what you're after, we'll introduce you to one of our FCA-authorised mortgage broker partners — they're a phone call away.
Most lenders work to a multiple of 4–4.5× annual income, but stress-test rules, deposit size, your monthly outgoings and credit profile all change the answer. Our affordability calculator gives a quick estimate, and a whole-of-market adviser will run a full eligibility check across 70+ lenders to find the best fit.
The standard minimum is 5% of the property price, but at 5% you'll see higher rates. The biggest pricing tier breaks usually sit at 10%, 15%, 25% and 40% loan-to-value. Putting down a larger deposit unlocks materially cheaper rates — our adviser can show you the side-by-side numbers.
No. The initial conversation is fact-finding only. Any credit check we run with a lender is a soft search until you give the go-ahead for a formal application. You'll always be told before any hard-footprint check is made.
From first call to mortgage offer is typically 2–4 weeks for a straightforward case. New-build purchases sometimes need an extended offer (6 months) because of construction timelines, and we'll arrange that with the lender on your behalf.
Our initial consultation is free and obligation-free. Where a fee applies it'll always be disclosed upfront, in writing — typically a flat fee on completion or paid by the lender on certain products. You'll never be surprised by a bill.
Yes. We work with specialist lenders that accept one or two years of accounts, retained-profit income for limited company directors, day-rate calculations for contractors, and bonus-heavy income for City roles. Bring your last two SA302s, accountant's letter, or a recent contract and we'll do the rest.
Tell us about the move you're planning. As you fill the form, we'll show an indicative monthly payment based on a representative rate — then a whole-of-market adviser will call you back, usually the same business day.
One free 30-minute call. Tell us where you are and we’ll show you the path.
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