UK First-Time Buyer Mortgage & Deposit Calculator (2026/27)
Model your First-Time Buyer monthly mortgage repayments with a 5% or 10% deposit, check the 4.5x gross household income affordability cap, and combine with First-Time Buyer Stamp Duty relief up to £500,000.
| First-Time Buyer Scenario (£300,000 Home) | Loan Amount & LTV | Monthly Repayment (25 Yrs) |
|---|---|---|
| 5% Deposit (£15,000) | £285,000 Loan (95% LTV) | £1,641.27/mo (at 4.85%) |
| 10% Deposit (£30,000) | £270,000 Loan (90% LTV) | £1,508.42/mo (at 4.55%) |
| 15% Deposit (£45,000) | £255,000 Loan (85% LTV) | £1,395.75/mo (at 4.35%) |