Mortgage Affordability Calculator UK
Find out how much you could borrow for a UK mortgage based on your income, deposit and existing debts. Lenders typically offer around 4.5x income — see your estimated borrowing range and maximum property price.
Calculator
What this means
Mortgage lenders usually cap borrowing at a multiple of your income — commonly 4 to 4.75 times, with 4.5x typical. Your deposit is added on top to give the maximum property price. Existing debts and your monthly budget can reduce how much you're offered.
Frequently asked questions
Most UK lenders offer around 4 to 4.5 times your annual income, sometimes up to 4.75x or more for higher earners. This calculator uses your chosen multiple and adjusts for monthly debts.
Your deposit doesn't change the income multiple, but it adds to your borrowing to set the maximum property price. A larger deposit lowers your loan-to-value, which usually unlocks better interest rates.
No. It's a guide only. Lenders run a full affordability assessment looking at your outgoings, credit history and the property. Get a decision in principle from a lender or broker for an accurate figure.
Disclaimer
This calculator provides estimates for guidance only. It is not financial, legal or tax advice. Always check official sources or speak to a qualified professional before making decisions.
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