A savings target, not an eligibility decision
Choose a property price and the deposit percentage you would like to explore. This calculator shows your target in pounds, the gap after your existing savings, and either how long regular saving might take or what you would need to save each month by a chosen date. It does not set a lender's minimum deposit or check whether you can borrow the balance.
The percentage you enter is applied to the price you enter. For example, a 10% target on a £300,000 home is £30,000. This is an illustration, not an amount a lender has approved or required.
We subtract the amount you have already set aside. The gap is only for the deposit; keep a separate budget for legal work, surveys, tax where due, moving and other costs.
A regular monthly amount gives an approximate number of whole months. A target date gives the monthly amount needed from now. Savings interest and changing house prices are excluded.
A larger deposit could reduce the mortgage amount, but your deposit is only one part of a purchase. Use the stamp duty calculator if buying in England or Northern Ireland, and check the relevant property tax rules elsewhere in the UK.
Your income, commitments, credit record, property and the lender's current criteria affect what may be available. Explore a payment scenario with our repayment calculator; it is not an affordability or eligibility decision.
If your income is self-employed, variable or newly established, your evidence and the way a lender assesses it may matter as much as the cash you have saved. Read our self-employed mortgage guide or ask for a case-specific discussion.
When you are ready to seek advice, tell us your approximate price range, deposit available, mortgage purpose and how you earn. We can explain what information may be useful before an application, including income evidence for self-employed applicants. Lender criteria and available products change; an adviser must check the current position for your circumstances. A savings calculation cannot guarantee a mortgage offer.
For broader planning, visit our mortgage calculators or read the first-time buyer mortgage guide. For independent budgeting guidance, see MoneyHelper's deposit guide and its buying-cost checklist.
No. The percentage is a target you choose. Deposit criteria depend on the mortgage product, property and your circumstances, and can change. Ask an adviser to check current lender options before relying on a particular amount.
No. A lender will still assess affordability, credit, the property and appropriate income evidence. This tool only works out a savings target.
The savings gap is shown as £0. Keep a separate allowance for other buying costs and check your borrowing options before committing to a purchase.
You can include money you expect to have available for the deposit, but tell your adviser where it will come from. A lender may ask for evidence and have conditions about gifts; do not treat an expected gift as confirmed until it is documented.
Yes, to plan a deposit. It does not assess self-employed income or decide eligibility. Our self-employed mortgage advice page explains how business structure and income evidence can affect an application.
Ready for a case-specific answer?
Tell Count Ready what you are buying, the deposit you expect to have and how you earn. We can explain the next steps and what an adviser may need to review. The initial evaluation is free; any applicable advice or application fees are agreed before chargeable work.
Request a mortgage conversationYour home may be repossessed if you do not keep up repayments on your mortgage.
