See what a home could cost each month
Move the sliders to model price, down payment, rate and term. Taxes, insurance and HOA dues are included so the number is closer to reality.
This calculator needs scripts. You can also call +44 7418 377369 or write to [email protected] and we will help.
Home lending, explained before you apply
What our lending team walks you through in a first conversation.
Fixed or adjustable
30-, 20- and 15-year fixed terms, plus a 7/6 ARM for shorter time horizons.
Low down payment
Programs from 3% down, with mortgage insurance costs shown up front.
Refinance analysis
We model the breakeven month so you know when a refinance pays for itself.
Home equity
Lines of credit up to 85% combined loan-to-value for renovations or consolidation.
Frequently asked questions
What is included in the estimate?
Principal and interest, property tax, homeowners insurance and HOA dues. It excludes mortgage insurance, which applies below 20% down.
How much should I put down?
20% avoids mortgage insurance, but programs exist from 3%. The calculator shows the monthly trade-off directly.
Does a shorter term save money?
Yes. A 15-year term usually carries a lower rate and far less total interest, at a higher monthly payment.
When does refinancing make sense?
When the monthly savings recover your closing costs before you expect to sell or refinance again.
Check your rate
A soft credit inquiry that will not affect your score. Results are an estimate, not a commitment to lend.
This form needs scripts. You can also call +44 7418 377369 or write to [email protected] and we will help.