Mortgage Affordability Calculator
Your income & deposit
We estimate borrowing at a typical income multiple, then add your deposit for a property budget.
£
£
£
3× cautious5.5× generous
%
Estimate only. Actual lending depends on credit history, regular outgoings, dependants and each lender's own affordability checks.
You could borrow around
giving a property budget of
- Total household income
- Estimated borrowing (×)
- Your deposit
- Estimated property budget
- Est. monthly payment
The estimated mortgage payment is about of your gross monthly income ().
Rate stress test
at %
at % (+3)
Saved in your browser so you can compare options on your next visit.
Borrowing as income rises
Max borrowing
Property budget
At a multiple, with your current deposit added for the budget line.
Based on borrowing at over .
| Year | Interest | Principal | Balance left |
|---|---|---|---|
Compare saved scenarios
| Scenario | Borrow | Budget | Monthly | |
|---|---|---|---|---|
Next steps
Mortgage calculator
Monthly payment & interest
Stamp duty
Tax due on the purchase
Take-home pay
Check your net income
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