Mortgage Affordability Calculator

Estimate how much you could borrow, your monthly repayment, and your loan-to-value ratio. Free — no sign-up to calculate.

Income-multiple estimate Standard repayment formula LTV & property budget

Your details

Before tax. Include salary, confirmed bonuses, and self-employed profit.
£
£
Cash you have saved including any gifted deposit.
£
25 yrs
Use a current 2- or 5-year fix rate from your broker or moneysupermarket.com.
4.5%
%
Your mortgage estimate
Maximum loan (4× income)
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Property budget: —
Maximum loan (4.5× income)
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Property budget: —
Monthly repayment & LTV by scenario
Scenario Loan amount LTV Monthly payment
Conservative (4×) — — —
Higher (4.5×) — — —

Indicative only. Income multiples (4–4.5×) are a common rule of thumb; actual lender limits vary by income, outgoings, credit profile, deposit size, and product type. Monthly payment uses a standard capital-and-interest formula at your chosen rate. Speak to an FCA-regulated mortgage broker for a Decision in Principle before making an offer. Not financial advice.

Rules of thumb only

Income multiples of 4–4.5× reflect common lender practice. Individual lenders assess affordability using their own stress-tested criteria — your broker will give you actual limits.

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FCA-regulated advice

This calculator is a free estimation tool, not regulated financial advice. Always take advice from a qualified, FCA-authorised mortgage broker before making financial decisions.