What it means
This gives a rough idea of how much a lender might let you borrow from your income, debts and deposit.
Buying
Mortgage affordability calculator
A rough idea of how much you might borrow from income, debts and deposit.
Why it matters
It stops you hunting for homes you cannot fund. It also shows a sensible property budget before you fall for a listing.
When to use it
Use it early, before you shortlist, and again when your income, debts or deposit change.
How to read the result
Treat the range as a sketch, not a promise. Real lenders run their own checks. Stay inside the lower end if you want breathing room.
Your figures
More assumptions
Methodology
Rules checked against published sources as of 2025-04-01.
- Borrowing uses illustrative income multiples of 4x to 4.5x after a simple debt adjustment.
- Property budget is borrowing plus deposit.
- Monthly payment uses the mid-range loan at the rate and term you enter.
Related calculators
Related property tools
Pair the numbers with area intelligence for a postcode.
FAQs
Will a lender approve this amount?
Not necessarily. This is not a mortgage offer. Lenders use their own stress tests, credit checks and criteria.