Mortgage Affordability Calculator UK
Estimate how much you can borrow based on your income
Quick Tips
- ✔ Keep expenses low
- ✔ Higher deposit increases borrowing
- ✔ Stable income improves approval
What you’ll get
- ✔ Estimated borrowing amount
- ✔ Monthly affordability insight
- ✔ Budget guidance
Ready to buy?
Get Free ValuationHow Affordability Works
Most lenders allow borrowing up to 4–4.5x your annual income.
Your expenses reduce how much you can afford monthly.
Higher deposits reduce loan size and improve approval chances.
Affordability FAQ
How much can I borrow?
Typically 4–4.5x your annual income depending on lender.
Do expenses matter?
Yes, lenders assess your outgoings before approving a mortgage.
Does deposit help?
A larger deposit improves your borrowing power and rates.
