Useful tools,
not gimmicks.
A quick personalised plan, or an honest financial comparison. Take a few minutes and see where you stand.
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Readiness Calculator
You might be more ready than you think. A 90 second check returns an honest Gold, Silver or Bronze picture and the next steps that matter for you.
Start the check
Rent vs Buy Calculator
Better off renting or buying? Compare both honestly over 5, 10 and 25 years using your real numbers.
(Also included inside the Readiness Calculator.)
Run the comparison
Stamp Duty Calculator
Free, with the post-April 2025 thresholds. First-time buyer relief and the additional property surcharge built in. England and Northern Ireland.
Calculate stamp duty
True Cost to Completion
This will help give you an idea of the money you might need to complete your purchase.
Includes the stamp duty calculation, so you do not need to run both.
See the true cost
Buyer Personality
90 seconds, no sign-up, and your answers stay in your browser. An honest read of how you are wired as a buyer, and the single next step that actually fits you.
Find my type
Monthly Budget Builder
See where your money actually goes each month. Live totals, a housing-cost check, and a clear view of how much you could be saving toward a deposit.
Build my budget
Deposit Builder
See exactly how long it takes to reach your deposit. Models the Lifetime ISA bonus and your savings interest.
Plan my depositPick the one you need
Your answers are worked out in your browser and are not stored unless you ask us to email or save your result.
| Tool | Time | What it answers |
|---|---|---|
| Readiness Check | 90 sec | How close am I to being able to buy? |
| Rent vs Buy | 5 min | Is buying financially sensible for me right now? |
| Monthly Budget Builder | 5 min | What can I comfortably afford each month? |
| Deposit Builder | 5 min | When could I realistically reach my deposit? |
| Stamp Duty Calculator | 1 min | What stamp duty would I pay in England or Northern Ireland? |
| True Cost to Completion | 5 min | How much cash do I actually need on completion day? |
| Buyer Personality | 90 sec | How am I wired as a buyer, and what fits me? |
Buying is not always the right move. Read when renting may be the better choice.