Mortgage Affordability Calculator
Our mortgage affordability calculator estimates your maximum borrowing. Most UK lenders use 4-4.5x gross annual salary, stretching to 5x for high earners. The FCA requires affordability stress-testing at higher rates.
How Much Can I Borrow?
Estimate your maximum mortgage based on income, outgoings and deposit using standard UK lender income multiples.
Enter individual or combined gross income and any existing committed debt repayments (loans, car finance, credit card minimums). Lenders assess affordability on a net income basis after existing commitments, not just salary multiples alone. The LTV input (loan to value) affects which rate tiers you access — 60%, 75%, and 80% LTV thresholds typically represent the most significant rate improvements. Results show the range of borrowing likely available across the market, from conservative (4× income) to higher-end (4.5-5× for certain professions). Use this as a planning guide before speaking to a broker — an agreement in principle from a specific lender will involve a full credit assessment and may differ from this estimate.