Skip to content
Abodewise

House Deposit Calculator

Use this house deposit calculator to work out how much deposit you need, how much you’d need to borrow, and your LTV (loan-to-value). You can enter your deposit as a percentage or as a cash amount.

Back to Property Cost Calculators
How do you want to enter your deposit?
Deposit amount
£30,000.00
Loan required£270,000.00
LTV (loan-to-value)90.00%
Total upfront (deposit + fees)£30,000.00
LTV is loan required divided by property price. Fees are added on top of your deposit.
Share this deposit estimate
Copy a link that keeps your current numbers, so you can come back later or send it to someone.
How this house deposit calculator works

We use your property price and deposit to work out the key figures buyers usually care about.

  • Deposit amount: the cash you put towards the purchase.
  • Loan required: property price minus deposit.
  • LTV (loan-to-value): loan required divided by property price.
  • Total upfront: deposit plus any fees you enter.
Example model (default scenario)
This shows the default scenario when the page loads. It stays the same as a quick sanity check.
Property price£300,000.00
Deposit£30,000.00
Deposit percentage10%
Loan required£270,000.00
LTV (loan-to-value)90.00%
Total upfront (deposit + fees)£30,000.00
Important

This calculator gives estimates only. Your lender may calculate affordability and LTV differently.

Fees vary a lot. If you’re budgeting for a purchase, check costs with your solicitor and mortgage broker.
How it works

This deposit calculator helps you translate between:

  • a deposit percentage (for example 10%)
  • a cash deposit amount (for example £30,000)

It then shows the implied loan required and LTV. You can optionally add fees to see how much cash you might need up front in total.

Rates and thresholds

Last verified: 05/03/2026. Deposit “minimums” depend on lender/product and aren’t fixed thresholds in this calculator.

This page doesn’t apply a fixed “minimum deposit”. Instead, it shows the maths for your numbers so you can explore scenarios like 5%, 10%, 15% and see what that does to loan size and LTV.

If you’re using a Lifetime ISA as part of your deposit, check the current GOV.UK rules (linked in the Trust panel sources).

Worked examples

Worked examples (rounded):

Example 1 — £300,000 price with a 10% deposit

  • Deposit: £30,000
  • Loan required: £270,000
  • LTV: 90%
  • Total upfront (deposit + fees): £30,000

Example 2 — £300,000 price with a £50,000 deposit and £2,000 fees

  • Deposit percentage: 16.67%
  • Loan required: £250,000
  • LTV: 83.33%
  • Total upfront: £52,000

Example 3 — £200,000 price with a 5% deposit and £3,500 fees

  • Deposit: £10,000
  • Loan required: £190,000
  • LTV: 95%
  • Total upfront: £13,500
Edge cases and exclusions
  • Fees aren’t deposit: lenders typically treat deposit separately from conveyancing/survey costs.
  • Gifted deposits: many lenders have proof/letter requirements; this tool doesn’t validate source-of-funds.
  • Property type: some properties can require higher deposits; avoid assuming standard availability.
  • New-builds: availability and deposit needs can differ by product and lender.
  • Other purchase costs: stamp duty and moving costs aren’t included.
Assumptions
  • This is a simple estimate based on the numbers you enter.
  • Fees are added to your upfront cash requirement, not to the property price.
  • It does not include mortgage arrangement fees, stamp duty, insurance, or ongoing costs.
Methodology

Deposit amount is either your chosen percentage of the property price, or the cash amount you enter.

Loan required is property price minus deposit.

LTV (loan-to-value) is loan required divided by property price.

Total upfront is deposit plus any fees you enter.

What to do next
FAQ
What does the house deposit calculator output first, and why?
It highlights the deposit amount because that is the figure many buyers are trying to plan for. The other outputs explain what that deposit implies for borrowing and LTV.
Why can I enter my deposit as a percentage or as a cash amount?
Some buyers think in percentages (for example 10%), while others have a fixed savings amount. Both routes should land on the same deposit figure for a given price.
What does “loan required” mean in the house deposit calculator?
It is the amount you would need to borrow for the property price after accounting for your deposit. It is not a mortgage approval amount.
How is LTV calculated on the deposit calculator page?
LTV is loan required divided by property price, shown as a percentage. It helps you understand how much of the purchase is financed by borrowing.
What should I include in the “upfront fees” field?
Use it for costs you expect to pay upfront, such as solicitor fees, surveys, valuation fees, or broker fees. This tool treats it as a simple add-on to your deposit cash requirement.
Does the house deposit calculator include stamp duty automatically?
No. Stamp duty varies by situation and is calculated separately. You can estimate stamp duty using the stamp duty calculator and add it into fees if you want.
If I change the property price, why does my deposit amount change in percentage mode?
Because the deposit is tied to a percentage of the price. A higher property price means the same percentage requires more cash.
Can this deposit calculator tell me what mortgage rate I will get?
No. It does not price mortgages. It only helps you understand deposit size, borrowing requirement and LTV for budgeting.
Is the “total upfront” figure the same as the total cash I will need to complete?
It is a simplified estimate of deposit plus the fees you entered. Your real completion costs can include other items such as moving costs and lender charges.
Why is there an “example model” box on the deposit calculator?
It is a fixed reference scenario so you can sanity-check that the tool is behaving as expected while you change inputs.
Related calculators
Residential Stamp Duty Calculator
Calculate how much stamp duty you'll pay when buying a property in England or Northern Ireland. See how different property prices and buyer circumstances affect your stamp duty liability.
Stamp Duty Land Tax Calculator
Estimate Stamp Duty Land Tax (SDLT) for residential purchases in England and Northern Ireland. See a marginal band breakdown and how transaction type (moving home, first-time buyer, additional property) affects the total.
Second Home Stamp Duty Calculator
Estimate higher-rate SDLT when buying a second home or buy-to-let in England and Northern Ireland. Understand the 5% additional property rates and compare against buying as a main home.