Mortgage affordability
Enter your income (and a deposit if you have one) to estimate a maximum mortgage and property price. This is a simple estimate and different lenders may use different criteria.
Second income (£) Optional
Borrowing multiple e.g. 4 to 4.5×
Deposit (£) Optional
We estimate borrowing as (total income × borrowing multiple). Use this as a guide, not a guarantee.
Results
These are estimates based on your inputs.
Maximum mortgage
—
Based on income × borrowing multiple
Maximum property price
—
Maximum mortgage + deposit
Total income
—
Combined annual income
How this calculator works
We estimate your maximum mortgage by multiplying your total annual income by a borrowing multiple. We then add your deposit (if provided) to estimate a maximum property price.
This is a simple estimate. Real affordability depends on lender criteria, interest rates, your credit history, and monthly commitments (such as loans, credit cards, childcare, and other outgoings).