Mortgage Affordability Calculator
Get a quick idea of how much you might be able to borrow for your mortgage. This calculator gives you a helpful starting point based on your income, but real affordability depends on a number of factors, which I’ll explain below.
Estimate how much you could borrow
Buying a home and want to know what you could borrow?
Potential Property Affordability
£250,000
This is a guide based on typical lending criteria. Most lenders offer around 4.5x income, depending on your circumstances.
Some lenders may offer higher borrowing (in certain cases up to 7x income), but this is subject to the lenders criteria and will depend on factors such as your income level, occupation, and whether the application is single or joint.
This calculator provides an estimate only and should not be relied upon as a guarantee of borrowing capacity, affordability or mortgage eligibility. The actual amount you may be able to borrow and your monthly repayments will depend on your personal circumstances, credit status and lender assessment.