Down Payment Calculator
Deposit, loan-to-value, and how long to save it.
Work out Down Payment. Deposit, loan-to-value, and how long to save it. Free, with no account and nothing to download.
Deposit needed
60,000
30,000 short · 30 months at your current rate
The deposit is rarely the whole of what you need up front. Legal fees, survey, stamp duty or transfer tax, and moving costs all land at the same time and commonly add several percent more. A larger deposit lowers both the loan and usually the rate offered, since lenders price by loan-to-value band. Crossing a band threshold — 90%, 85%, 80% — often matters more than the exact percentage.
How the Down Payment Calculator works
Enter a price and deposit percentage for the amount needed, the resulting mortgage, the loan-to-value and how long saving it will take. Below 20% most lenders add mortgage insurance, which the page flags.
Also known as: deposit calculator · how much deposit do i need · loan to value calculator · house deposit savings calculator
Not financial advice. This calculator is for planning and illustration, not financial advice. Real products carry fees, taxes, and terms it does not model. Confirm figures with your lender or a qualified adviser before committing.
Frequently asked questions
How much deposit do I need?
It varies by market and lender. 20% avoids mortgage insurance in most places and usually unlocks better rates; 5–10% products exist but cost more monthly and over the term.
What is loan-to-value?
The mortgage as a percentage of the property value. Lenders price in bands, so crossing a threshold — 90%, 85%, 80% — often improves the rate more than the exact percentage does.
What is mortgage insurance?
A premium charged when the deposit is below roughly 20%. It protects the lender rather than you, and typically falls away once enough equity has built up.
What other costs should I plan for?
Legal fees, survey, stamp duty or transfer tax, and moving costs all land at the same time and commonly add several percent to the total needed up front.
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