Deposit
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Monthly
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Affordability
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1
Dashboard
2
New Home
3
Affordability
4
Results

Moving home or remortgaging?
See what you could borrow in 60 seconds.

Tell us about your current property and finances — no credit checks, no obligation.

No credit checks
No obligation
Results in 60 seconds
No impact on your credit score
Your Current Property
£
✓
Current market value — check Rightmove for nearby sold prices.
£
✓
Check your lender's app or last statement.
yr
mo
✓
Years and months remaining on your current term.
%
✓
Your current mortgage interest rate.
1 of 4
Sale Costs & Debts
%
=
£
✓
Your agent's % fee + 20% VAT auto-applied. £ shown is the VAT-inclusive total deducted from your proceeds.
%
=
£
✓
Both solicitors combined. 20% VAT auto-applied. £ is VAT-inclusive total for buying & selling.
%
=
£
✓
Removal company, van hire, storage. 20% VAT auto-applied. £ is VAT-inclusive estimate.
Amounts cleared from your sale proceeds before deposit is calculated.
Loans to clear on completion
£
✓
Car finance, personal loans or other debts settled from sale proceeds on completion day.
Cash to hold back
£
Cash you want to keep back from proceeds — renovations, furniture, emergency fund etc.
3 of 4
Equity Summary (Estimated)
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Sale value
-
—
Mortgage
-
—
Costs & debts
=
—
Available equity
What happens next?
1. Add your new home
Tell us about the property you want to buy.
→
2. Review your budget
We'll calculate what you can afford and your options.
→
3. Explore options
Compare deals, speak to brokers and decide with confidence.
✓
Dashboard
2
New Home
3
Affordability
4
Results

Your next home

Use the slider or type an exact price to get started.

New Home Details
—
drag slider or enter a price below
£0← drag to explore →£3.5m
Enter your current house value on step 1 to centre this range
£
✓
Type any price — or use the slider above.
%
✓
Defaults to your current rate — adjust if you expect a different deal.
yr
mo
✓
25 years is typical — up to 35 for lower monthly payments.
2 of 5
Indicative Mortgage Deals
Enter a property price to see mortgage deals.
Rates reviewed: —. Indicative only — verify with a broker.
✓
Dashboard
✓
New Home
3
Affordability
4
Results

How does this look for your budget?

Income, affordability and what you could borrow.

Household Finances
Income type
£
✓
Take-home pay after tax.
£
✓
Auto-calculated from your income type above. Adjust if needed.
Optional: check your credit score free (soft search — does not affect credit)
0 of 3
Monthly Debts & Finance (optional)

Fill this section with monthly commitments at your new home (bills, loans, cards — not your current rent if you are moving).

Debt-to-Income Ratio
—
0%20% good36% ok50%+
Enter debts below to see your DTI ratio.
£
£
£
£
£
✓
Utilities, food, subscriptions, childcare, transport.
✅ Car/personal loans, credit cards, overdrafts, monthly bills
✗ Mortgage — that's calculated separately
Affordability
Enter income and mortgage details to see affordability
🟢 Strong (0–30% of gross)
🟡 Typical (30–40%)
🟠 Stretched (40–45%)
🔴 High risk (45–50%)
🚫 Very high (50%+)
Borrowing Capacity
4× income
—
Standard max
4.5× income
—
Most common
5× income
—
Higher earners
Enter gross annual income to see borrowing limits
Stamp Duty
Enter a property price to calculate stamp duty.
✓
Dashboard
✓
New Home
✓
Affordability
4
Results

Your full results

Everything in one place. Adjust any figures on previous steps.

Mortgage Summary
Complete the previous steps to see your mortgage summary.
Year-by-Year Amortisation
Complete the previous steps to see amortisation.
Overpayment calculator
See how much interest and time you could save by overpaying.
→

Brokers & Deals

Our partner broker for personalised advice. After you get in touch they can send their fact-find for you to complete on your device. They are FCAFinancial Conduct Authority — the UK financial regulator. All mortgage brokers must be FCA-authorised to give regulated advice.-authorised whole-of-market advisers.

Referral links — Buy That House may earn a fee if you proceed. This does not affect the rates or quality of service you receive. Always verify a broker's FCACheck any broker at register.fca.org.uk — enter their name to confirm they are authorised. status at register.fca.org.uk before proceeding.
💬 Want personalised advice?
Our partners can help you find the right mortgage for your situation.
Contact Mortgage Knight
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