A generic calculator says
£345,000
£280,000
Your realistic affordability
Rough estimate for planning conversations only — not mortgage or financial advice. Real lending depends on credit history, exact rates, and individual lender criteria. Childcare figures are based on England averages (Coram Family & Childcare Survey 2026) and the 30-hours funded entitlement rules — actual costs vary by provider, area, and exact hours needed. Funded eligibility requires each parent to individually earn under £100,000 adjusted net income and at least 16hrs/week equivalent at minimum wage.