Free mortgage calculator

Total cost of buying a house calculator

Build a more realistic moving budget by including deposit, tax and common buying costs.

Built and checked by the advisers at Spolton Mortgages, former bank managers who are CeMAP qualified and FCA registered.

708
Five-star reviews
261
on Google
447
on VouchedFor
Top Rated
VouchedFor 2019–2026
Local
Family-run since 2017
FCA
Registered · No. 993383

Many buyers focus on the deposit and forget the extras. This helps you budget for the full picture.

First-Time Buyer Mortgages First-Time Buyers FAQs

The full cost of buying

Buying a home costs more than the deposit. On top you may have stamp duty, legal and conveyancing fees, a survey, a mortgage product fee and removals. This calculator adds them up so there are no surprises.

The figures other than your deposit and stamp duty are typical estimates and vary by property and provider. We will help you plan the real numbers for your move.

More tools

Other mortgage calculators

Mortgage repayment calculatorSee estimated monthly payments, interest and total cost.Mortgage affordability calculatorGet a guide to how much you could borrow.Mortgage deposit calculatorWork out your deposit, loan and loan to value.Mortgage deposit saving calculatorSee how long it could take to save your deposit.Stamp duty calculatorEstimate the stamp duty (SDLT) on your purchase.Mortgage deal comparison calculatorCompare two deals on rate, fees and fixed period.

View all mortgage calculators →

What clients say

708 verified reviews, rated 5.0

261 reviews on Google and 447 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.

5.0 average · Google & VouchedFor
VouchedFor

Buying a house He has been so helpful from start to finish. He was quick with getting any searches done and gave us all the information what was needed. If we were unsure he would explain it in a way we understood. Yes, we have brought a house and are now moved in. Nothing at all

Verified client in Lincolnshire
Review of Seth Jackson
708
Five-star reviews
261
on Google
447
on VouchedFor
5.0★
Average rating

Read all 708 reviews

From first chat to front-door key

Let’s make your move simple

Free, no-obligation consultation. We listen, compare the whole market, and hand you a clear plan, no jargon.

01529 300500
Free until your offer is approved No jargon, no pressure Whole-of-market advice

Your home/property may be repossessed if you do not keep up repayments on your mortgage.

Call us

01529 300500

Email us

info@spolton.mortgage

Visit or get directions

6, Mill House, Carre Street,
Sleaford, Lincolnshire NG34 7TW

Opening hours

Monday
8:30am – 5:30pm
Tuesday
8:30am – 5:30pm
Wednesday
8:30am – 5:30pm
Thursday
8:30am – 5:30pm
Friday
8:30am – 5:30pm
Saturday
10:00am – 1:00pm
Sunday
Closed

A family-run, whole-of-market mortgage and protection adviser based in Sleaford, Lincolnshire. Founded in 2017 by former bank managers Nick and Kasia Spolton, we serve clients across Lincolnshire and the UK with clear, jargon-free advice by phone, video or in person. Rated 5 stars with 708+ verified reviews across Google and VouchedFor.

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Mortgages

Protection

Company

Accessibility

  • Wheelchair-accessible car park
  • Wheelchair-accessible entrance
  • Wheelchair-accessible seating
  • Wheelchair-accessible toilet

Parking

  • Paid and free parking available

Service options

  • Online appointments
  • On-site services

Regulatory status

FCA Registered · No. 993383 Appointed Representative of Stonebridge Mortgage Solutions Ltd Companies House · 10903440 Est. 2017

View our entry on the FCA Register

Mortgage lenders

Aldermore TSB NatWest Barclays Skipton West Brom + whole of market

Protection partners

Aviva Legal & General LV= Royal London Vitality + more

Important information

Our service is free until you receive a fully approved mortgage offer. There may then be a charge which, depending on your circumstances, will typically be £299, payable upon receipt of an approved mortgage offer. Our fee is discounted to £199 for Armed Forces and Blue Light Card holders.

Our fee is discounted to £199 for Armed Forces and Blue Light Card holders.

For remortgages, if best advice is to switch rates with your existing lender then we charge no fee at all.

  • Your home/property may be repossessed if you do not keep up repayments on your mortgage.
  • You may have to pay an early repayment charge to your existing lender if you remortgage.
  • As with all insurance policies, conditions and exclusions will apply.
  • Not all Buy to Let Mortgages are regulated by the Financial Conduct Authority.
  • Equity release is arranged by introduction only.

Spolton Mortgages is a trading style of Spolton Ltd, which is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. FCA Number 993383.

Founded and incorporated on 7 August 2017. Spolton Mortgages is a trading name of Spolton Ltd (FCA Number 993383). Registered Company Number: 10903440 (view on Companies House). Registered in England and Wales.

Registered Office: Spolton Ltd, Spolton Mortgages, 6 Mill House, Carre Street, Sleaford, Lincolnshire NG34 7TW.

Financial Conduct Authority FCA Register
Firm 993383 Information Commissioner’s Office ICO Registered
ZA391497

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