Your deposit sets your loan to value (LTV), which is the share of the property you are borrowing. A lower LTV usually unlocks lower rates, so even a slightly bigger deposit can reduce the overall cost.

Enter the price and your deposit to see your LTV and loan amount, plus what a 5% and 10% deposit would be. Then talk to us about which lenders suit your deposit.

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

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

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What clients say

700 verified reviews, rated 5.0

257 reviews on Google and 443 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.

5.0 average · Google & VouchedFor

VouchedFor

I wanted to buy a house Nick guided me through the entire process of purchasing a home and applying for a mortgage, providing reliable and professional assistance at every stage. I could count on his support throughout Everything was completed in a fully satisfactory manner. Everything was completed in a fully satisfactory manner.

Verified client in Nottinghamshire

Review of Nick Spolton

VouchedFor

First time buyer John significantly simplified the mortgage aspect of buying my first home, making a potentially stressful process much less so. He sourced me a suitable mortgage for my situation, clearly explained the process from start to finish and patiently answered all my questions. Would highly recommend. Yes, I am very pleased with the outcome, having received a mortgage offer that fits my situation well. Nothing!

Verified client in Lincolnshire

Review of John Hallam

VouchedFor

mortgage advice nick helped us find a much better deal outcome was as nick said everything went smoothly nothing everything was plane sailing

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

Fixed term mortgage deal coming to an end. Seth listened to what I wanted and the advice he gave me was good. He looked at deals and advised I stayed with the same mortgage lender. Whilst, this resulted in him not getting the business, he advised what I needed to ask for and contacted myself after the appointment with my current lenders advisor to see if everything was sorted out ok. Yes Nothing, Seth was really good and I will certainly recommend him to friends.

Verified client in Lincolnshire

Review of Seth Jackson

VouchedFor

Looking for help with life insurance Nick and Kasia took the time to explain the ins and outs of insurance and advised what would be most suitable for my situation. Kasia is very knowledgeable and took the time to explain everything to me being a newbie to life insurance! Yes, I am more than happy with the cover they found me. Nothing, amazing service! Thankyou

Verified client in Lincolnshire

Review of Nick Spolton

700

Five-star reviews

5.0★

Average rating

Read all 700 reviews

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