🏡 Home buying planner

Mortgage Affordability Calculator

Estimate how much you could borrow based on income, debts, deposit and a typical lender income multiple. You also get a rough monthly repayment, property budget and loan-to-value. This is a planning tool, not a lender decision.

Income & commitments

Property assumptions

Estimated borrowing
£0
Estimated property budget
£0
Monthly repayment
£0
Loan to value
0%

Adjust the income multiple if you want a more cautious or more optimistic estimate. Actual affordability can be lower if childcare, credit cards or other checks reduce what a lender offers.

Typical UK lenders often start around 4.0x to 4.5x income, with higher multiples sometimes available for stronger applications.