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Tools / Property Calculation / Buying Calculator

This new page/feature is still being tested, so please be cautious when evaluating the results.

Calculate the cost of buying a house or flat, and how much you will pay during your stay in that property.

Property price

Buying tends to be better the longer you stay because the upfront fees are spread out over many years.


What Are Your Mortgage Details?


£1,144 Per Month




Capital & Interest Payment Breakdown

Find out what how much your monthly mortgage payment could be if interest rates go up by using our mortgage calculator

Property Price Growth

Do you predict your property to increase in price after your stay?


Worth £315,303 after 5 years

Monthly investment

Will you be investing additional money after paying your mortgage every month?

Your mortgage is £1,144.

per month

Stamp Duty

Stamp duty is a government tax paid on homes costing £250,000 or more.

First-time-buyers will pay no Stamp Duty on the for properties worth up to £425,000. You pay a different tax if your property or land is in Scotland or Wales, however this calculator does not support that option, so just select "Do not include".


For more details, use our stamp duty calculator.

Buying and Selling Costs

There are a variety costs to pay when you are buying/selling your property. Costs that do not apply if you were renting e.g. surveyor’s and legal fee





Maintenance and Service Charge

Homeowners are responsible for all the costs of keeping the house maintained and repairs, for example replacing the boiler or getting a new fridge if it breaks. This is in addition to any renovation work like remodelling the bathroom or kitchen.

You may also have to pay service charge and ground rent if you are purchasing a leasehold property.


£3,000 spent per year


£0 spent per year

Quick summary

Buying after 5 years


After 5 years, the net gain/loss from buying and selling a property would be -£30,581.

Buying after 5 years


You bought your property for £300,000 and sold it for £315,303 after 5 years.

During that time, you paid £68,664 in mortgage payments. £24,884 was interest, and you paid off £43,781 from the £270,000 mortgage principle, meaning you still owed the bank £226,219 at the time of selling.

Therefore, from the £315,303 sale money, £226,219 goes to the bank for your mortgage.

So, you actually received £89,084 from the sale.

Now, let’s go through the expenses:

  • £68,664 in mortgage payments.
  • £15,000 for maintenance and repairs over 5 years.
  • £6,000 in buying and selling costs.

That leaves you with -£581.

But wait, there's also the £30,000 deposit, if you take that into account too, then overall you’ve lost -£30,581.

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See how the buying total was calculated.



£300,000 x 10% = £30,000

Property price x Deposit (%)

Mortgage paid:

(£1,144 x 12 = £13,733) x 5 = £68,664

5 years of mortgage payments. More details available with our mortgage calculator

Capital from sale:

(£300,000 x 1% 5) - £226,219 = £89,084

(Property price x Growth rate % Years) - Outstanding mortgage

Investment growth:

£0 per month with 5% growth rate after 5 years = £0

Monthly investment with X Growth rate after X Years.

More details available with our compound interest calculator


£300,000 x 1% x 5 = £15,000

Property price x Maintenance (%) x Years

Service Charge

£300,000 x 0% x 5 = £0

Property price x Service Charge (%) x Years

Stamp duty



Calculated using our stamp duty calculator

Buying/selling costs

(£300,000 x 1%) + (£300,000 x 1%) = £6,000

Property price x Cost of buying (%) + Property price x Cost of selling (%)

Net gain/loss

£89,084 - £30,000 - £68,664 - £15,000 - £0 - £0 - £6,000
= -£30,581

Capital from sale - Deposit - Mortgage paid - Maintenance/repairs - Service Charge - Stamp duty - Buying/selling costs
= Net gain/loss