Mortgage affordability calculator

Estimate how much you could borrow based on your household income. The result is indicative - lenders set their own affordability criteria, so the amount offered can be higher or lower.

Your details

Gross household income (per year)Deposit you have saved

Income multiple4.5×3.0×5.5×

Your estimate

You could borrow

£202,500

Illustrative purchase budget

£227,500

Estimate only - a lender’s affordability assessment determines the real offer. Lenders assess outgoings, credit history and stress-test rates — a mortgage in principle gives you the real number.

Make sense of your result

Use your estimate to explore the next decision.

Understand what lenders assess

See how income, commitments and affordability checks affect borrowing.

Explore monthly repayments

Compare the effect of different rates and mortgage terms.

Need help with the next step?

Explore mortgage brokers in the directory. Listings show their own status; inclusion is not an endorsement.

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