Repayment Calculator
Repayment Calculator
Your Complete First Time Home Buyer Guide
Everything you need to go from renting or living with parents to owning your first home —
mortgages, deposits, solicitors, surveys, and everything in between.
16 Chapters of Expert Guidance —
Written in Plain English
What's Inside The Guide
CHAPTERS 2 - 3
Are You Ready? Understanding Your Budget
A financial readiness checklist plus income multiple tables
showing exactly how much you could borrow.
CHAPTER 4
All the Costs of Buying a Home
Stamp Duty, solicitor fees, surveys, arrangement fees —
every cost mapped out so there are no surprises
CHAPTERS 5 - 8
Mortgages Explained — A Plain English Guide
What a mortgage actually is, repayment types, fixed vs tracker rates,
LTV, APR, ERCs, and all the key definitions you need.
CHAPTER 9
Agreement in Principle (AIP)
Why you need one, how to get it, and the difference between soft
and hard credit searches.
CHAPTER 10
Step-by-Step Home Buying Process
All 10 stages from checking your finances to collecting your keys —
clearly explained so you always know what's next.
CHAPTER 11
Surveys & Valuations
The difference between the lender's valuation and an independent survey —
and which type is right for your property.
CHAPTERS 12 - 13
Solicitors, Exchange & Completion
What your solicitor actually does, how conveyancing works, and
exactly what happens on completion day.
CHAPTERS 14 - 16
Budget Worksheets & Full Glossary
Fill-in budget planner worksheets, a comprehensive glossary of
mortgage terms, and next steps for working with an adviser.
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