Buyer tools
Monthly cost calculator
Estimate the real monthly cost of owning your first home, not just the mortgage.
Before you start
Monthly cost is more than just the mortgage
This tool helps you estimate the ongoing cost of owning your home each month, not just the mortgage payment on its own.
- • Start with your expected mortgage payment
- • Add regular housing costs like bills, council tax, and service charge if it applies
- • Use it to see what monthly ownership could really feel like
Your inputs
Results
Loan amount
£225,000
Estimated mortgage / month
£1,208
Deposit percentage
10.0%
Loan to value
90.0%
Total housing cost / month
£1,738
Left after housing
£1,262
Based on a property price of £250,000 and a deposit of £25,000, your estimated monthly mortgage payment is £1,208. Including your other monthly home costs, the total comes to £1,738.
What this means
Your monthly cost snapshot
A simple view of what your expected monthly home costs could look like.
Mortgage
£1,208
Bills
£430
Maintenance
£100
Total monthly cost
£1,738
Biggest monthly cost
Mortgage
This looks like a meaningful monthly commitment. Make sure it still feels comfortable after bills, food, travel, and unexpected costs.
Next step
Plan your move-in budget
Once the monthly numbers look realistic, map the one-off move-in costs so nothing catches you off guard.