Understand the numbers
before you speak to a broker.
Free UK property calculators built by someone who has actually done this. Then, if you want it, the full playbook on what lenders check, what to ask at viewings, and exactly what to offer.
One payment. Yours forever. No subscription.
Nobody tells first-time buyers the truth about the numbers.
Your lender doesn't assess you at the rate you'll pay — they stress test you roughly 3% higher, and that's the number that decides your loan.
First-time buyer stamp duty relief vanishes entirely at £500,001. One pound over costs you five thousand pounds.
With three people on a mortgage, most lenders count only the two highest earners — the third takes on the full debt and adds nothing to what you can borrow.
None of this is secret. It's just never in one place, written plainly, with your actual numbers in it.
Free, forever, no signup
These three do the job properly. Use them as long as you like.
Everything above, plus the depth behind it. Written for the six months when it matters, yours whether it takes you three months or three years.
- ✦The full strategy behind every calculator — what underwriters actually check, the LTV bands, the stress test explained properly
- ✦Viewing Companion — 40+ point checklist, weighted scoring, and the exact questions to ask the agent
- ✦Offer Builder — your opening offer, ceiling and walk-away price, plus a ready-to-send email
- ✦Property Evaluator — home or investment, leasehold structures worth buying
- ✦Credit Health Check — what lenders see that free apps don't show you
- ✦Document Checklist — including the self-employed evidence trap
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What this isn't
It isn't a mortgage broker. Use one — they're usually free to you and they see lender criteria no calculator can model.
It isn't financial advice. It's the arithmetic and the context, so you walk into those conversations knowing what's being decided.
It isn't a property portal. Rightmove does that better than anyone ever will.