HAUSCOPE

Free · Honest · Instant

What will this property really cost you?

The honest answer. No spin.

£
£
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So we can show you your local broker.

Can you afford it?

You're short by £67,500.

Conservative

£248k

standard high street

Likely

£275k

most lenders today

Maximum

£303k

specialist lenders

The exact amount depends on your credit history, deposit, and lender. A broker can tell you in one call what you actually qualify for.

What you need to borrow£315,000
Shortfall (vs 4.5× standard)£67,500

What will it cost you monthly?

At your rate (4.5%)

£1,751/mo

Stress test at 6%

£2,030/mo

Stress test at 7%

£2,226/mo

Most lenders stress test at 8–9% internally. If you’re near your limit, a broker can find lenders with more flexibility.

What does getting in actually cost?

Deposit£35,000
Stamp duty£7,500
Solicitor / conveyancing est.£1,500–£3,000
Survey — Level 2 / Level 3 est.£400–£900 / £600–£1,500
Mortgage arrangement fee est.£0–£2,000
Moving costs est.£800–£2,500
Total to get in£48,050

The legal, survey and mortgage fees are estimates. Get quotes before you commit.

What does it cost over the life of the loan?

Total you'll repay (over 25 years)£525,262
Total interest£210,262

That £350,000 property will cost you £560,262 in total over 25 years.

Want to save this calculation?

The four sections above, plus your local broker. No spam.

A guide based on the numbers you entered — not financial advice or a mortgage offer. Rates and lender criteria vary. Stamp duty covers England & Northern Ireland.

Just need stamp duty? Use the stamp duty calculator →Run a full Hauscope report on any property →