Mortgage deposit calculator

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  • I have {{ depositStartFormatted }} in current savings edit
  • I am looking to save {{ depositAmountFormatted }} every {{ savingParams.depositFrequency }} edit
  • I will keep it linked to inflation edit
  • I will not link deposits to inflation edit
  • I will be saving for {{ savingParams.termLength }} {{ savingParams.term }} edit
  • I want it in a {{ savingParams.risk }} risk plan edit
  • Change your answers here if you want

Whether you’re saving for a deposit for your first home or purchasing a holiday home, our mortgage deposit calculator can help. Enter your budget and how much you’ve already saved in our calculator to see if your dream property is within reach.

I am looking to save
I have in current savings
I am looking to save every
I will keep my {{depositAmountFormatted }} a {{savingParams.depositFrequency}}

What is inflation?
Inflation measures how much the costs of everyday goods and services go up over time and as a result, how much the value of money goes down. For example, in 1960 you could buy an average house for around £2,500, while today the average house price is nearly 100 times more expensive. That’s why investing your money can help preserve your long-term spending power.

So if you want to save up for something several years in the future, it might be worth linking your monthly savings above to inflation to give you a more realistic idea of how long it will take you to reach your goal. If your savings goal is shorter-term, you might choose to link your savings to today’s value.

I will be saving for
I would like to put my savings in a

Lower risk - This type of strategy may be attractive for people wanting to protect their savings while offering room for their money to grow. Investments in this category carry risk but seek to minimise it.
Medium risk - This type of strategy is designed to grow money steadily over the long term. These strategies carry risk, and usually invest in a mix of different assets to diversify the risks of investing while still growing investors’ money.
Higher risk - Higher risk strategies can be considered for investors seeking to grow their savings significantly over the long-term. While these strategies increase the opportunity for growth, investors must be able to cope with more significant falls in the value of their savings, while remaining focussed on their long-term goals.

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You will meet your target

You will fall short of your target

You will fall short of your target

Based on your data and our calculations you will save

{{totalFormatted}} after {{savingParams.termLength}} years

It looks like you could become a homeowner sooner than you thought! We can help arrange your mortgage and put a plan in place for future savings goals. Contact us today.

You may have to wait a little longer for your dream property, but our wealth planners can help get you moving. Keep going – you’ll be in your ideal home in no time by adjusting the way you save and invest.

You still have a way to go before purchasing your dream property, but our wealth planners can help. With some hard work and adjustments, you'll be able to get back on track and pick up the keys to your ideal home in no time. 

Talk to an expert

What’s your number?

You can find out more about the UK’s saving habits and what we think about investing in our latest research report.


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  • Important information about the calculator

    These figures are only illustrative and provide only a simple snapshot of your investments.  It is not a personal recommendation based on your individual financial circumstances. The illustration is no substitute for regulated financial advice.

    The value of investments and any income from them can fall and you may get back less than you invested. Past performance is no guide to future returns.

    This illustration shows the potential value of your investments in today's prices, adjusted for inflation.  We assume inflation to be 2% per annum.

    Other financial assumptions are

    • 2% Low growth rate before inflation

    • 5% Mid growth rate before inflation

    • 8% High growth rate before inflation

    • 0.5% Annual investment management charge

    The level of contributions, investment returns, management charges, tax factors, inflation and period of investment will all affect the value of your investments.  As such, these figures are not guaranteed.

    These figures do not take account of income tax, including tax relief on pension contributions, capital gains tax or pensions annual or lifetime allowances. No account is taken of any State Pension you may be entitled to.

Buying a property is often a numbers game. There are many numbers to think about, from the offer you’re going to make and the amount of money you’ll need for a deposit to how many bedrooms you want – and even the number on your front door.

Although buying a new home is an exciting time, it can also be a long and complicated process. It’s important to take into account all the costs you could face at the beginning of the journey to make sure you avoid any surprises along the way.

Our mortgage planning team offers a wealth of expertise to guide you through the process of buying a property. We take a ‘whole of market’ approach, giving you access to a wide range of UK lenders. By adapting our strategy to your circumstances, we can find the best deal to suit you.

Stepping onto the property ladder

Saving for a house deposit can be a daunting and costly task. If you’re looking to take your first steps onto the property ladder, we’ll help make the journey as smooth as possible. Our mortgage planning team will ensure you know what mortgage options are available, and we’ll be here to answer any questions you might have along the way.

Buying a second home

We offer a range of mortgage options to help you buy your dream holiday home or boost your income with a buy-to-let property. Our mortgage planning team will give you expert advice about the deals best suited to your needs. If you’re becoming a landlord, we’ll help you understand your legal and tax responsibilities.


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The value of investments and any income from them can fall and you may get back less than you invested.