Home/ Buying/ Monthly Cost Calculator
Free buyer tool

What will it really cost each month?

A mortgage payment is only part of the story. This tool adds council tax, insurance, energy and maintenance so you can see the true monthly cost of owning your next home.

The property

£50,000£2,000,000
£0£800,000
1.0%10.0%
5 years40 years

Council tax figures are approximate Northumberland County Council bands and vary by parish precept. Insurance is estimated at £25/month and maintenance at 1% of property value per year — adjust expectations for older or larger homes.

True cost of ownership
£1,640/mo
Everything in, per month

Monthly breakdown

Mortgage repayment
£1,112
Council tax
£166
Buildings & contents insurance
£25
Energy (gas & electric)
£150
Maintenance & upkeep
£229
Total per month
£1,682
Browse properties → Mortgage calculator
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