Free guides and calculators to make home buying easy
Visit the Tools and Guides page to get started or scroll down to learn more.
Buying a house is a big deal. You spend your life saving up and then get thrown into a process where everyone knows how it works apart from you. The process is complex, opaque and no one tells you what you should be doing. House prices are so crazy that any mistake is expensive.
HomeBuyingToolkit exists to tell you the right questions to ask and how to answer them with free Tools and Guides. If you’re thinking about buying a home then you should probably answer these questions:
What can you really afford? (The answer isn’t 4.5x your salary or 10x your deposit)
How can you increase your affordability?
Is it even worth buying or should you just rent?
You found somewhere you like, how much should you actually offer?
What’s the right term for your mortgage?
What happens after your offer is accepted? How do you minimise your risk of losing out?
Answer these with our free Tools and Guides to save yourself money, time and stress.
Visit the free Tools and Guides page to get started or scroll down to learn more.
The free Affordability Calculator Dashboard
Our tools
Discover the 3 types of affordability and calculate what you can actually afford with our affordability calculator.
Find out how much cash you need right now (hint: it’s not just your deposit) and the extra costs to factor into your decision.
Buying with someone else? Use our tools to work out what you can afford together and get advice on how to buy with someone else.
Even with a good mortgage advisor you have to make choices, and it can be hard to understand the tradeoffs you’re making.
Use our guide to understand how you can put yourself in the best financial position by picking the right mortgage.
Should you fix your rate for 1 year, 2 year, 5 years?
Are you better off using all of your savings to buy a house, or borrowing more?
25 years, 30 years or 35 years - how this decision impacts your finances
You’ve finally found the home of your dreams, other people are interested in it and you don’t want to lose out. How much do you offer?
We give you a simple set of steps to follow to work this out, giving you the best chance of having your offer accepted without overpaying.
Save yourself time, money and stress by doing the right steps in the right order. Solicitors, surveys, insurance - we explain what you need to know so you get it right.
First time? We explain what happens after your offer is accepted.
Done this before? We share tactics to reduce the risk of you losing money if things go wrong.
Feedback’s a gift
Tell us what you like, what you don’t and if there’s anything else we should help with.