Deposit Ladder Calculator UK
This deposit ladder calculator helps you compare common deposit milestones such as 5%, 10%, 15%, 20% and 25% for a property purchase in the UK. It is designed for buyers who want to see how a larger deposit could affect their mortgage size, loan-to-value ratio, monthly repayments, and the time it may take to move up to the next rung.
Whether you are buying your first home, moving house, or using equity from an existing property, this tool gives you a practical way to plan the next stage of your deposit journey.
What this calculator includes
- Comparison of multiple deposit percentages
- Estimated deposit needed for each rung
- Mortgage amount and loan-to-value for each scenario
- Estimated monthly repayment based on your mortgage assumptions
- Monthly savings growth over time
- Optional equity from your current home after mortgage balance and selling fees
- Buying costs such as stamp duty and other purchase costs
How it works
The calculator starts with your target property price and compares the deposit levels you enter. For each rung, it works out how much cash deposit would be needed, how large the mortgage would be, and the resulting loan-to-value ratio.
It then uses your monthly saving amount, savings rate, and any net equity from a current home sale to estimate how long it could take to reach each deposit milestone. Mortgage repayments are then estimated using the mortgage rate and term you enter, so you can compare how a bigger deposit may change affordability.
Why results may vary
The calculator is a planning tool, so real-world outcomes may differ. Actual timelines and repayments can change depending on house price movements, savings returns, mortgage rates, lender criteria, fees, and the exact products available at different loan-to-value bands.
- Mortgage rates may be lower or higher at different deposit levels
- Property prices may rise while you are saving
- Your savings rate may change over time
- Buying costs and moving costs may be higher than expected
- Lenders may apply different affordability rules from the ones you assume here
Who it’s for
- First-time buyers comparing 5%, 10% or 15% deposit targets
- Home movers using equity from a current property
- Buyers planning whether to wait and save more before purchasing
- Anyone comparing how deposit size affects mortgage repayments
Deposit ladder examples
- A buyer saving for a 10% deposit may compare whether waiting for 15% could materially reduce monthly repayments.
- A home mover can estimate how existing equity changes the time needed to reach the next deposit rung.
- A buyer targeting a more competitive loan-to-value band can compare whether a larger deposit offsets rising house prices.
Important note
This calculator provides estimates only and does not constitute financial, mortgage, tax, or legal advice. For tailored borrowing guidance, speak to a qualified mortgage adviser or lender.
Use the calculator above to compare deposit levels and see how saving more could change your mortgage options.