Mortgage Affordability Calculator
Estimate how much you could borrow from income and a multiple.
Compare Your Options And Get Clear Answers
Estimate how much you could borrow from income and a multiple.
Mortgage Affordability Estimator
Enter your numbers below for an instant estimate.
How It Works
Key concepts behind this calculator
Enter Values
Fill in each field with your own numbers.
Calculate
Results update as you change the inputs.
Review
Read the breakdown and the explanation.
Adjust
Change values to compare scenarios.
Mortgage Quick Guide
Typical values for reference.
| Annual household income (£) | Income multiple | Deposit (£) | Maximum borrowing |
|---|---|---|---|
| 60000 | 4.5 | 30000 | £270,000.00 |
| 60000 | 4 | 30000 | £240,000.00 |
| 90000 | 4.5 | 30000 | £405,000.00 |
| 45000 | 4.5 | 10000 | £202,500.00 |
| Rule of Thumb | Check inputs | Use as a guide | Round sensibly |
Mortgage Affordability Calculator FAQ
Answers to common questions about this calculator.
It uses the formula shown with your inputs. Real conditions vary, so treat it as a guide.
Not a mortgage offer or advice.
It is an estimate based on the inputs you enter. Check real quotes, labels or official guidance for important decisions.
Yes. Replace each input with your own figures and the result updates instantly.