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So we can show you your local broker.
What will it cost you monthly?
Mortgage (price less deposit)£315,000
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.
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.