Free mortgage calculator
Mortgage affordability calculator
Get a clearer guide to what you may be able to borrow based on income and commitments.
This is a guide, not a mortgage decision. Lenders also look at credit history, outgoings, deposit size and how affordable the payments look over time. This calculator provides an estimate only and should not be relied upon as a guarantee of borrowing capacity, affordability or mortgage eligibility. The actual amount you may be able to borrow, and your monthly repayments will depend on your personal circumstances, credit status and the lender's assessment.
How much can I borrow?
Most lenders start from an income multiple, often around four to four and a half times your income, then adjust for credit commitments, deposit and how affordable the payments look. This calculator gives a quick indicative range.
Every lender scores affordability differently, and the right one for you is not always your own bank. We compare the whole market to find the lender most likely to say yes at a competitive rate.
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
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