Before you start looking. Find the price you can realistically afford, not just the biggest number a lender might approve, so you search in the right range and know what to expect from a mortgage adviser.
When you’ve found a place. Check whether lenders are likely to lend on it before you offer. Short leases, ex-council flats, flats above shops, cladding and unusual construction can all narrow your choice of lenders or need a bigger deposit.
When you’re weighing it up. See your monthly payments, what happens if rates rise, stamp duty, and how the asking price compares with recent sales nearby.
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Mortgage advisers. Get a realistic budget before the full fact-find, check a property your client has found against lenders’ published criteria before they offer, and send them a clear report so they arrive at the next meeting prepared.
Estate agents. Qualify buyers on a specific listing, and spot hard-to-mortgage properties early (short leases, flats above commercial premises, non-standard construction, cladding) so sales are less likely to fall through.
Other firms. Conveyancers and others can use the property check to flag lending issues on a property before they become a problem.
Figures are indicative, not advice or a mortgage offer. The default rate is the UK average 5-year fix (). How our numbers work · Glossary
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Your numbers now feed every stage. Fine-tune them in Your numbers on the left, see the repayment analytics below, or go back through the steps to change anything else.
Showing example figures until you set your budget.
Your loan balance year by year, from the day the mortgage starts to the end of the term. Hover over the line, tap and drag, or use the slider to see any year.
Your budget says what you can borrow in general. Lenders also judge the property itself: the lease, the block, how it's built, what's below it. Enter what the listing or agent tells you and we'll check it against lenders' published rules and recent local sales.
Enter the asking price to run the check.
Buying isn't automatically the better financial decision — it depends on how long you stay. Upfront costs and mortgage interest weigh heavily in the early years, and the deposit you tie up could be invested instead. This shows the year buying overtakes renting for your situation. It's information, not a recommendation.