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 Valuation

How 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.