Mortgage Affordability Calculator
Estimate a sensible borrowing range from household income.
Your results
Enter your details and select Calculate to see your results.
This calculator provides an estimate for illustrative purposes only and does not constitute financial advice.
HELP & GUIDANCE
Mortgage Affordability Calculator FAQs
Answers to common questions about this calculator and its assumptions.
How much can I borrow?
The tool gives an illustrative range based on income and commitments, not a lender decision.
Do lenders consider my spending?
Yes. Lenders may assess regular expenses, debts and credit history as well as income.
Does a bigger deposit help?
A larger deposit can lower the loan-to-value ratio and borrowing requirement.
Is this a mortgage agreement in principle?
No. Only a lender can assess and issue a formal decision.
For current UK financial rules and independent guidance, visit GOV.UK or MoneyHelper.