Free tools
Every calculator and checker we've built, in one place — free to use, no account needed, all based on lending criteria we verify directly against each lender.
Incentive calculator
See how each of the 10 lenders we track treats your builder incentive package, and what it does to your maximum loan.
Scheme finder
Deposit Unlock has closed — answer five questions to see which 2026 low-deposit routes (95%, 98%, 100%, Rate Reducer, builder-funded) fit you.
Down-valuation calculator
See exactly what a low survey does to the loan a lender will actually support, and whether it crosses an LTV band.
Rate Reducer calculator
Compare using your builder's pot as a deposit contribution against using it to buy your rate down.
New-build premium checker
See the £/sqm premium you're paying over local second-hand prices, and what it means for your valuation risk.
Snagging cost estimator
Get an indicative remediation-value range for your snag list — a negotiation aid, not a bill.
Help to Buy repayment calculator
Bought with a 2013–2023 equity loan? See what redeeming it costs at today's value, and the year-6+ interest if you wait.
Offer validity checker
Enter your expected completion timeframe and see, lender by lender, whether your offer (plus any extension) would still be valid.
New-build warranty checker
Select your warranty provider and see which lenders publish acceptance of it — and which don't say either way.
Affordability check
See what a wide panel of lenders might lend you for your new-build purchase.
Lender criteria tables
Compare new-build lending rules side by side across every lender we track.
What unlocks more lenders?
See the exact deposit level that unlocks the next lender's new-build LTV cap.
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