Check a home · Close Knit

Total housing costs

A monthAdd a figure to start

PriceYour cash for the depositInterest rate (%/year)Term (years)Council tax (£/month)

More costs

Service charge (£/month)Ground rent (£/year)Maintenance (£/month)Utilities (£/month)Moving costs (£ one-off)

Still needed: price, deposit, interest rate, term.

Unknown, not zero — any of these could reverse the comparison: Mortgage payment, Service charge, Ground rent, Maintenance allowance, Council tax, Utilities, Moving costs.

Terms used here:

Official Stamp Duty Land Tax in England from 1 April 2025: nil-rate threshold £125,000.

If it is leasehold

Ask the agent for the years left on the , the , the and any major works in writing. Lease terms need legal interpretation: ask an independent solicitor or conveyancer before relying on them.

GOV.UK: Leasehold property — official guidance ↗LEASE: free initial advice on leasehold ↗Stamp duty on this price

Questions to ask the agent

0 of 5 asked · a tick is your own note, kept on this device

Freehold or leasehold? If leasehold, how many years are left on the lease?Under 80 years makes a lease costly to extend and harder to mortgage.
What is the service charge a year, and what was it the last three years?Ask for the accounts; sharp rises often point to works.
Is there ground rent, and can it rise?A rent that doubles can make a home hard to sell.
Are any major works planned or already billed (roof, lifts, cladding)?A works bill is shared between the flats and can be large.
What is the energy certificate rating, and how old is it?A low rating means higher bills; certificates last ten years.

Work out the money: stamp duty · mortgage rates · buy-to-let

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