Overall Affordability Verdict
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Monthly Disposable Income
$ 0.00
Total Upfront Cash Needed
$ 0.00
How affordability is assessed
We compare your income against monthly loan repayments, existing debts, and living expenses, plus the total upfront cash needed to buy.
Affordable — at least 15% monthly buffer and enough upfront cash
Tight but possible — positive income left or small cash shortfall
Beyond budget — negative monthly balance or large cash shortfall
Upfront Costs
Down Payment
SPA Legal Fees
MOT Stamp Duty
Loan Legal Fees
Loan Stamp Duty
Valuation Fee (est.)
Processing / Disbursement (est.)
Total Upfront Cash
Cash Shortfall
Monthly Commitments After Purchase
Est. Monthly Loan Repayment
Existing Commitments
Living Expenses
Total Monthly Outflow
Gross Monthly Income
Remaining Disposable Income
Enter a property price and income to see your affordability results.
Send me my affordability result
This calculator is for reference only. Actual costs and affordability depend on bank assessment and individual circumstances.
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