What it means
This turns your deposit, income and costs into a realistic price band for homes you can actually buy.
Buying
Buying power calculator
A realistic home price band from your deposit, income and costs.
Why it matters
A maximum price on a lender site ignores stamp duty and fees. This leaves room for those so you do not overstretch.
When to use it
Use it when setting a search budget, or when comparing how a bigger deposit changes the homes you can reach.
How to read the result
Prefer the recommended budget over the absolute maximum. The gap is your buffer for tax, fees and surprises.
Your figures
Money left after deposit, stamp duty and fees.
More assumptions
Methodology
Rules checked against published sources as of 2025-04-01.
- Borrowing uses the same illustrative income multiples as affordability.
- Recommended budget keeps your chosen cash buffer after stamp duty and fees.
Related calculators
Related property tools
Pair the numbers with area intelligence for a postcode.
FAQs
Why is recommended below the maximum?
The maximum is deposit plus illustrative borrowing. The recommended budget leaves cash for stamp duty, fees and your buffer.