What staying costs your deposit
No mortgage tool nets this out: while you're saving for a deposit, you're also paying to stay — visa fees, the Immigration Health Surcharge, and eventually the ILR application fee. Enter your route and see the total, and how much it sets back a deposit target, based on GOV.UK fees checked 2026-07-13.
This is an information tool, not tax or immigration advice: it doesn't assess your immigration status, eligibility or route — it only totals your self-reported figures against a savings target.
Worked example: couple, Skilled Worker extension, 3 years to ILR
A couple extending Skilled Worker visas from inside the UK, 36 months until ILR eligibility, saving £800/month toward a £35,000 deposit.
Visa extension fees: £3,730 (£1,865, effective 2026-04-08 — GOV.UK, ×2). IHS: £6,210. ILR fee (at the end): £6,452. Grand total: £16,392 — equivalent to 20.5 months of their savings rate.
Without these costs they'd hit the £35,000 target in 44 months; with them it's 65 months — a 21-month setback.
Assumes the full time to ILR is covered by one visa grant, IHS charged upfront for that whole length, and every household member applies under the same route/fee — in practice visas are often granted and extended in stages (each triggering its own fee and IHS charge), and dependant fees can differ from the main applicant's. This is an estimate, not a quote — confirm exact costs on GOV.UK for your specific application.
Change the inputs below to model your own numbers.
This is your own estimate, not a determination of when you'll qualify — we don't assess ILR eligibility.