Search by What You Can Actually Afford

Property prices don’t mean much on their own.

If you’re buying with a mortgage, what really matters is what a home will cost you each month. Not the headline price. Not a ballpark guess. The actual monthly outgoings you’d have if you owned it.

That’s why we’ve built the Monthly Mortgage Calculator. It’s a new way to search that starts with what you can afford and connects it directly to the homes you see. It’s all about making the home-buying process easier and clearer, from your very first search to the moment you’re ready to move.

What it does

The Monthly Mortgage Calculator turns your income and deposit into a real monthly budget you can use to filter homes.

• Enter your household income and deposit
• Jitty calculates your monthly mortgage cost (based on a standard 5x income, 4.77% interest, 25-year term)
• We add in other regular costs where we can, like council tax, service charges and ground rent, to give you a realistic total
• You can then search using that budget, see monthly costs on every listing and tweak it as you go

We’ve built this in partnership with London & Country (L&C), one of the UK’s most trusted mortgage brokers. This means you can go from figuring out what you can afford to getting a mortgage in principle without ever leaving Jitty.

Leave the calculators and spreadsheets behind. Start searching in a simpler, joined-up way.

Who it’s for

People buying with mortgages.

It’s especially useful if you are:

• A first-time buyer trying to figure out your range
• Comparing buying versus renting
• Early in your search and want a clear starting point

If you’ve ever looked at a £525,000 house and thought "but what does that actually mean for me each month when I get paid?" then this feature is for you.

Why this matters

Most property sites still expect you to think in terms of total price. But that’s not how most people plan. You’re paid monthly. You budget monthly. You think in terms of outgoings, not abstract six-figure price tags.

This feature flips search to match how buyers already think. You set your monthly budget and Jitty shows you homes that fit it.

You’ll also see some of the monthly costs on certain listings, so you can compare homes in a way that reflects what it would feel like to own them.

And with L&C built into the flow, you can move from "what can I afford?" to "let’s get a mortgage" in a single, simple step.

How it’s different

Other portals have mortgage calculators but they sit off to the side. You enter your numbers, get a result and then go straight back to scrolling through price-based listings that ignore everything you just worked out.

On Jitty, monthly affordability is part of the search itself. Your budget feeds directly into what you see. Every listing shows the estimated monthly cost. You can even filter out anything that doesn’t fit.

This is the first time in the UK that monthly affordability is built directly into the property search experience. And it’s connected to trusted mortgage advice from L&C when you’re ready to act.

How it works in practice

When you enter your income and deposit, Jitty calculates your budget and saves it as a filter.

• Each listing shows an estimated monthly cost.
• If you’re ready to move forward, you can get a mortgage in principle from L&C directly from the listing page.

When you click into a listing, you’ll see a full cost breakdown. Your saved budget sits right above the property’s costs, so you can instantly see if it fits. If it’s out of reach, we show:

• The extra deposit you’d need to stretch to it.
• The gap between your budget and the mortgage based on the list price, so you know what you’d need to negotiate.

Everything connects, so you’re not bouncing between tools or doing mental maths while you search.

Why we built it

Because buyers shouldn’t have to guess.

For years, people have been stuck with a price-led property search that doesn’t reflect how they actually make decisions. This feature changes that. It turns "what’s my budget?" from a separate calculation into part of the search itself and makes it easier to take the next step when you’re ready.

This is about giving buyers clarity, confidence and a simpler way to move from search to purchase.

What’s next

We’ll be listening closely to how people use the Monthly Mortgage Calculator: what’s helpful, where it needs to go further and what else would make affordability clearer. We’re also exploring AI-driven tools that could help predict what a home might actually sell for, so buyers can make smarter calls on homes that look just out of reach today.

To try it, open any property on Jitty or the filter drawer next to the search bar, then select ‘Calculate Monthly Mortgage’ to get started.

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