Mortgage Affordability Calculator

Discover how much you can afford to borrow for your mortgage with our comprehensive UK calculator. Get instant estimates based on your income, expenses, and financial situation.

Calculate Your Affordability

Enter your financial details to get an estimate of how much you could borrow

Ready to Calculate?

Fill in your financial details in the form to see how much you could potentially borrow

How the Calculator Works

Our mortgage affordability calculator uses industry-standard criteria to estimate how much you might be able to borrow:

Income multiples (typically 4-5.5x annual income)
Monthly affordability checks based on income vs expenses
Stress testing at higher interest rates
Deposit requirements and loan-to-value ratios

Important: This is an estimate only. Actual lending decisions depend on many factors including credit history, employment status, and lender criteria.

Tips for Better Affordability

Improve your credit score: Better credit can lead to better rates and higher borrowing amounts
Reduce monthly commitments: Pay off credit cards and loans to improve affordability
Save a larger deposit: Higher deposits often unlock better rates and terms
Consider joint applications: Combined income can significantly increase borrowing power
Factor in all costs: Remember to budget for solicitor fees, surveys, and moving costs

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