What it really costs each month, and what is left at the end.
Rate is estimated for your deposit. Enter your own if you have a quote. Pension is taken before tax.
| Type | Rate | Monthly | Diff |
|---|
| Rate | Monthly | Total interest |
|---|
Same loan and term. Tap a row to use it. Fixed and tracker deals usually move to the standard variable rate when they end.
| Electricity | £ |
| Heating (gas) | £ |
| Water | £ |
| Internet | £ |
| Council taxLondon average, check your borough | £ |
| Service chargeFlats only, set 0 for freehold | £ |
| Ground rentAbout £300 a year, leasehold only | £ |
| OtherInsurance, TV licence, maintenance | £ |
| Bills total | £0 |
| Deposit | £0 |
| Stamp dutyOptions below | £0 |
| SolicitorConveyancing, searches, Land Registry | £ |
| SurveyLevel 2 or 3 survey | £ |
| Mortgage feeArrangement fee, often £0 to £1,500 | £ |
| MovingRemovals, first furniture | £ |
| Total cash needed | £0 |
Keep a few months of costs aside as a buffer too.
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Independent links, no affiliation or commission. Rates on this page are market averages; the deal you are offered depends on your circumstances.
Rates are the latest UK market averages from Moneyfacts, published 5 October 2026 and checked 6 October (2-year fixed 5.98%, 5-year fixed 6.00%, 2-year tracker 4.55%, SVR 7.13%; Bank Rate 3.75%), adjusted for loan to value. Your actual rate depends on lender and credit profile. Term is capped so the mortgage ends by age 70, max 35 years. Take-home uses 2026/27 England income tax and employee National Insurance, with pension deducted before tax (net pay); student loans are not included. Stamp duty uses current England and Northern Ireland rates, including the 5% second home and 2% non-UK resident surcharges; Scotland and Wales have their own taxes. Upfront fees are typical London estimates. Affordability uses common lender income multiples; each lender also checks your outgoings and credit. Rent vs buy keeps today's rate for 5 years and ignores selling costs. A guide only, not financial advice.