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The Real Number · The Home Plan

The Home Plan

Could this home work for us each month?

Choose a mortgage payment you would genuinely feel comfortable with. We will show what home price that points to — and what it leaves each month.

Your situation ↓

What feels okay?

A useful starting point is your current rent or mortgage payment — then adjust it up or down until it feels realistic.

Your move

The cash you could put towards the property, plus an optional listing you are already looking at.

Your monthly life

This does not decide your home price. It shows what would really be left after the mortgage payment you chose.

Numbers brought across from The Life Sheet.We left out your current mortgage or rent, childcare and loans so they do not get counted twice. You can change any of the figures below.

Do not include the rent or mortgage this new mortgage would replace. The Life Sheet can add this up for you.

Mortgage details

If you do not have a quote yet, try 5.5% as a cautious starting point — then replace it with a real rate.

Want to include the one-off costs of moving?

Optional. This does not change the monthly mortgage result — it shows the extra cash you may need to make the move happen.

Use a rough figure now, then replace it with real quotes when you have them.

Your figures stay in this browser. They are never sent to us, and you can clear them whenever you like.

Your home plan

A monthly mortgage payment of

£—

could mean a home around £—.

Your deposit£—
Mortgage needed£—

What that leaves each month

Your chosen mortgage payment, alongside the real-life costs you added.

That Rightmove listing

The cash needed to make the move

Before you make a call

Check the actual mortgage deal, council tax, insurance and the costs of running the particular home. If work or childcare might change, run those numbers through The Work Week first.

This is a rough planning tool, not mortgage or financial advice. It assumes a repayment mortgage and does not know your credit history, lender criteria, property costs, fees or future rate changes. The optional property-tax estimate uses the simple situation you select and cannot cover every relief or surcharge. Lenders make their own affordability assessments. MoneyHelper’s mortgage affordability guide is a good independent next check.