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Mortgage calculator
Based on Oporto from £305,000. Illustrative only - not advice.
Estimated monthly payment10% deposit · 30 years · 4.5% fixed
Deposit£30,500 (10%) - Loan amount
- £274,500
- Loan to value
- 90%
- Total repaid
- £500,706
- Total interest
- £226,206
Stamp duty on £305,000: £5,250 moving home, £250 as a first-time buyer (England & Northern Ireland).
Repayment mortgage, fixed rate assumed for the full term. Your home may be repossessed if you do not keep up repayments on your mortgage.
Local market
The average new build in Derbyshire sold for £361,623 in July 2026; this house is −16% below that.
Gross yield leaves out service charges, ground rent, letting costs, void periods, mortgage interest and tax, and new builds often let for more than the area average. Not advice. Contains HM Land Registry data © Crown copyright and database right 2026. This data is licensed under the Open Government Licence v3.0.