Free mortgage calculator

Mortgage deposit saving calculator

Work out how long it could take to reach your deposit goal.

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

707

Five-star reviews

VouchedFor 2019–2026

Local

Family-run since 2017

Registered · No. 993383

This can help you set a realistic savings target before you start viewing properties.

First-Time Buyer Mortgages First-Time Buyers FAQs

Reaching your deposit goal

Set your deposit goal, what you have saved so far and how much you can put away each month. We estimate how long it could take to get there.

Saving consistently is the key. When you are close, come and talk to us early so you are ready to move when the right property appears.

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.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.

View all mortgage calculators →

What clients say

707 verified reviews, rated 5.0

260 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

From my previous bad experience when I have lost my dream house and lost lots of money for nothing because the company with I was working did not advise me properly He maid it happened With his advice about finances,I was abale to buy the house Yes Nick was grate had lots of patience with me after my first bad experience I was asking a million of questions to him and he took the time to reply to all of them Nothing,all was perfect

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

To find the best deal while renewing my mortgage. Nick has been professional and efficient throughout the process. Explaining clearly the options out there and finding the best deal for me. Yes a mortgage that is affordable and allows me to be confident with my current finances. N/A

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

To guide us through sale and purchase of property. He went above and beyond his job discription to help the sale go through. Without his guide and actions, everything would have fell through. Can’t thank him enough. Yes He did exactly what we hoped at a very fast and highly professional speed. Always available and the move was only made possible because of his actions.

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

We were looking to buy our first home and wanted to consult with a mortgage advisor to see what the best options were for us. Nick has been exceptionally helpful in providing us with all of the relevant information, explaining everything to us, and answering any questions we had to see what the best options were for us and our situation. He has always been so prompt with his replies to our emails too. Kasia was also very helpful in providing us with information regarding insurance and what was available to us. This was again something we were very unsure of, so all of this helped us immensely. Yes, definitely. We are so glad that we took Nick's advice on various issues as it really has given us the best outcome. Nothing, the service was all we wanted and so much more.

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

To buy my first house. He helped in every step, from looking for a mortgage all the way until I had the keys in my hand, he was there even if I had questions afterwards. Absolutely, could not have had a better outcome.

Verified client in Lincolnshire

Review of Nick Spolton

707

Five-star reviews

5.0★

Average rating

Read all 707 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.

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.

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.