Compare up to four house purchase scenarios side-by-side. Enter your available cash
and the calculator shows how it splits between deposit, stamp duty, and renovation.
Add comparison scenarios to see how changing price, rate, or renovation budget shifts
the numbers.
Base scenario
£
£
£
%
yrs
Scenario A
£
£
£
%
yrs
Scenario B
£
£
£
%
yrs
Scenario C
£
£
£
%
yrs
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Note: SDLT rates for England & Northern Ireland from April 2025. First-time buyer relief
applies up to £500k — above that, standard rates apply in full. Additional property surcharge is 5%. Monthly payments assume
repayment mortgage with fixed rate for full term. Does not include solicitor fees,
survey costs, or other purchase costs.
Changelog:v1.2 — Fixed “Total mortgage repayments” to show principal + interest paid to lender (was previously price + SDLT + interest, which understated savings when increasing deposit).
Previous versions
v1.1 — Fixed first-time buyer SDLT threshold from £625k to £500k (April 2025 rates). Going £1 over £500k loses all FTB relief. v1.0 — Initial release. Cash allocation model (available cash → SDLT + renovation + deposit), up to 4 scenario comparison, SDLT band breakdown.