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.

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Incentive calculator

See how each of the 10 lenders we track treats your builder incentive package, and what it does to your maximum loan.

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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