Home and mortgage · 1 of 5
This home's price, your deposit, the mortgage, Stamp Duty and the cash you would need.
Your maximum budget
Not set yet. Set the ceiling you are willing to pay and every home is shown against it.
This is a price ceiling, not your cash. Stamp Duty and buying costs come out of your cash available — see Cash remaining below.
Your price for this home. Used for affordability and "Your price per sq ft" — not shown as a verified listing price.
Not recorded for this home — estimates use a general average until you choose.
First-time buyer relief and other purchase-tax circumstances are asked in Stamp duty questions, below.
- Mortgage amount
- £0
- Deposit
- £0
- Loan-to-value (LTV)
- Needs a price
Use different figures for this home
Using your household figures. Only this home's price and local costs change.
Stamp duty
A few quick questions work out the tax for this home. Your answers stay private.
We couldn't confirm this from the postcode, so please choose. We never assume England.
More options
Left blank, we use the rates as checked on 24 September 2026.
If entered, this figure is used instead of our estimate.
Stamp duty
Stamp duty needs confirmation
- We need to know which nation this home is in. England, Wales and Scotland each have their own tax.
It is not counted as £0: your total cash needed and cash remaining stay incomplete until this is confirmed.
Estimate for guidance only — not tax advice.
Cash needed to buy this home
Stamp duty
Not included in the total · Needs confirmation — answer the Stamp duty questions or enter your figure
Needs confirmation
Conveyancing
Go Locate estimate
£1,600
Survey
Go Locate estimate
£750
Mortgage and product fees
Go Locate estimate
£1,000
Removals
Go Locate estimate
£650
First year buildings insurance
Go Locate estimate
£280
Moving and furnishing allowance
Go Locate estimate · Optional
£1,500
Estimated total cash required
Incomplete
£5,780 so far, plus stamp duty once confirmed
How much cash would be left?
Add the cash your household has available for this move to see what remains after the upfront costs.
Purchase cost breakdown
Add this home's price to see how the purchase splits between your deposit, the mortgage, stamp duty and buying costs.
Check a home first to keep these figures
Your monthly picture appears here
Add your monthly take-home pay and we will show how this home's costs sit against it — nothing is assumed or filled in for you.
Go Locate Affordability
Go Locate Affordability: Not ready
Add monthly take-home pay so we can show how this home fits your income.
This is a household-budget indicator based on the figures and estimates shown. It is not a lender affordability assessment, mortgage approval or financial advice.
Your estimated monthly cost of living here
£—
Enter a property price to see the full picture
Cash needed to buy this home
£—
What makes up this figure
Home & property costs
Specific to this home
£492/mo
Estimated monthly cost of living here
£492
If rates rise
The same home and the same commitments, with your mortgage repriced.
Rate you entered
4.5%
£492
per month in total
Rate +1%
5.5%
£492
per month in total
Rate +2%
6.5%
£492
per month in total
If household take-home fell by 10%
Add a take-home figure to see this scenario.
All figures are estimates for guidance only, based on the assumptions you entered. This is not financial, mortgage or investment advice, and Go Locate does not compare or recommend mortgage products or assess lender eligibility. Stamp duty (SDLT in England & NI, LTT in Wales, LBTT in Scotland) is only included once the nation and your purchase circumstances are confirmed. Speak to a regulated adviser before committing to a purchase.
Next: what should I do?
Once a home suits you and the numbers work, your Buying Journey walks through every step from offer to move-in.