Guide

Property affordability (from a listing)

Cash and mortgage buying ranges, editable costs, scenarios, and filtered property search

Overview

On for sale listings with a price, the listing shows Analyse affordability or Affordability estimate / Continue your analysis when you already have a saved run. Choose Mortgage or Cash purchase. Results update as you edit and the selected funding route controls which calculations and actions are shown.

Signed-in users: estimates sync to your account (see Client → Affordability estimates) and resume on any device; the page shows Saving to your account… until sync completes, then Saved to your account. Guests: estimates stay on this device for up to 24 hours. A shareable URL and automatic save support up to four scenarios per listing.

The process

The path forward

Each milestone stands on its own—follow in order, or skip ahead when you already know the basics.

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Cash purchase

Estimated cash required to complete is the listing price plus the market-specific purchase tax and your editable legal, survey, and other buying costs.

Enter available cash to see cash remaining or a shortfall. The cash buying range is the highest rounded-down purchase price that the available cash can cover after tax and editable buying costs.

Monthly ownership costs are separate from cash required to complete. You can edit ongoing property/local tax, service/HOA/condominium charges, and home insurance in full. Listing values and the insurance estimate are starting figures only.

Mortgage assumptions and mortgage-only outputs are hidden in Cash mode. Switching back to Mortgage restores the mortgage values you previously entered.

Cash mode does not show Mortgage in Principle or mortgage-broker actions.

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Mortgage

Mortgage mode keeps the deposit, rate, term, LTV, rate-rise illustration, repayment, and monthly-affordability views. Optional gross income and monthly outgoings produce an illustrative band from Easy to Above budget. These figures are planning estimates, not a lender decision or stress test.

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Mortgage affordability categories

When you enter your gross annual income, the system categorises the monthly cost of the property using leftover income (gross monthly minus optional outgoings):

Easy: The plan is easily achievable and well within your budget.

Within budget: The plan fits comfortably within your stated income.

Stretch: The plan is achievable but may require careful budgeting.

Above budget: The monthly cost exceeds typical affordability guidelines for your income.

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Scenarios

You can add up to four scenarios, rename them inline, duplicate an existing one, and set primary to choose which plan the listing cards and “continue” snapshots use (separate from which tab you are editing, which the URL still tracks). A compare table lists monthly, upfront, and optional total repayable side by side for every scenario you have saved on this device.

Opening Scenario comparison shows the comparison details directly; there is no second “Compare your scenarios” disclosure to open.

The Scenarios heading and + Add scenario control show the same document-icon hints as other calculators (hover or keyboard focus): scenarios compare deposit, rate, and term combinations, and you can add up to four. Reset still restores the original listing defaults.

Saving is automatic as you edit. Signed-in users see Saving to your account… while sync runs, then Saved to your account when complete. Guests see device-only save messaging.

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Financial Insights & Analysis

The affordability page provides several real-time analytical tools to help evaluate your home purchase options:

Monthly Outlay Comparison: A dynamic chart comparing the monthly payment costs across all active and proposed scenarios side-by-side.

Wealth Projection (Estimated Equity): Estimates the future equity you will accumulate in the property in 20 years (or at the end of the mortgage term, whichever is shorter). This is calculated by projecting the property value assuming a constant 4% annual appreciation rate (compounded annually) and subtracting the remaining mortgage balance (derived from the scenario's amortization schedule) at that point.

Interest Burden: Shows what percentage of your initial monthly payments go toward paying off interest costs rather than paying down the loan principal. This is calculated using your initial monthly interest payment divided by the total monthly mortgage payment.

Upfront Cash Breakdown: Provides a complete view of the liquidity needed to complete the purchase, detailing the deposit amount, estimated stamp duty / transfer tax, and any legal or professional fees.

Estimated monthly housing cost: Mortgage plus listing property tax and service charge when those figures exist on the listing, plus an illustrative home insurance estimate using the same method as the listing payment calculator. The headline monthly figure remains mortgage-only.

Rate-rise illustration: Shows the mortgage payment if the rate is 2 percentage points higher. This is not a lender stress test.

Optional monthly outgoings reduce leftover income used for the Easy / Comfortable / Stretch band, leftover cash after the mortgage, and MIP prefill. If you skip outgoings, the band uses full gross monthly income.

Compare interest rates (under Explore further) illustrates payments at a fixed set of rates using your current deposit and term. It is not live lender quotes.

Explore further is funding-aware: Cash mode presents cash scenario comparison and Life-fit options; Mortgage mode retains mortgage comparison tools. The mode-aware card can be expanded with Open options.

When days on market is known, the results panel shows how long the home has been listed.

When the selected scenario is in an Easy or Comfortable band, Book a viewing opens this listing’s contact page with the viewing option selected.

In Mortgage mode, Next steps use the same card as the mortgage calculator: Mortgage in Principle (this listing, with deposit, income, and outgoings from your estimate), speak to a mortgage broker, and ask a question. MIP still loads the current listing price from Eyemoved. Cash mode replaces mortgage actions with a listing-agent question action.

Copy link copies the current estimate URL so you can reopen the same figures. There is no CSV export on this page.

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Search within your buying range

See homes within your cash budget or the Mortgage buying-range button returns to the residential listing surface where your property journey began: Homes for sale or Search results.

The destination keeps compatible non-price filters, replaces old price limits with the current calculated maximum, and starts on the first results page.

In How this fits your life, the selected area, explicit Minimum bedrooms, and current Cash or Mortgage maximum price are search filters. Choose Any to remove a bedroom minimum.

Household type, Priority, and the displayed commute estimate provide explanatory context only. They do not exclude or reorder properties. Commute times are indicative; use a specialist journey-planning service for route-specific travel information.

If the information needed to calculate a buying range is missing, the Life-fit search button remains unavailable and the page tells you which input to add.

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Sharing with an agent

Calculating affordability, changing a scenario, or opening filtered search results does not by itself send your details to an agent.

If you explicitly choose Share your readiness with the listing agent, the platform creates or updates a website lead for that listing and shares only a high-level budget band, funding status, deposit band, and the listed consent fields.

Raw income, raw monthly payment, and the full affordability calculation are not included in the agent summary. You can revoke readiness sharing from the same control.

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How to open it

From the property details page, use Analyse affordability or Continue your analysis (for sale listings). The homepage may show Continue where you left off for recent listings. The URL is under the same property path with `/affordability` and optional `resume=1` when continuing.

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Important

Figures are illustrative only—not a mortgage offer, tax advice, or legal advice. Confirm costs and lending with qualified professionals.

A small legal / survey allowance may be included in “total upfront” examples; your real costs will differ.

Buyer type affects tax bands (for example UK first-time buyer vs additional property); use the on-page controls—numbers are still illustrative, not tax advice.

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Guidance you can trust

Save criteria once—Eyemoved keeps your search organised.

Why it matters

The benefits of clarity

- Figures are **illustrative** only—not a mortgage offer, tax advice, or legal advice. Confirm costs and lending with qualified professionals. - A small **legal / survey allowance** may be included in “total upfront” examples; your real costs will differ. - **Buyer type** affects tax bands (for example UK first-time buyer vs additional property); use the on-page controls—numbers are still illustrative, not tax advice.

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Plan with confidence

Use these tools as **estimates**—confirm with a qualified professional before you commit.

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Fewer surprises

Revisit your inputs when your situation changes so comparisons stay meaningful.

Your journey continues with a single step.

Begin your journey

Any questions? Our team is ready to help you find the right answer.

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