Mortgage Affordability Calculator

Estimate how much you could borrow for a mortgage based on your household income, existing debts, and available deposit. This calculator uses a standard 4.5x income multiplier commonly used by UK lenders.

Your Details

Your annual income (gross)

Partner's annual income (optional)

Monthly debt repayments

Credit cards, loans, car finance, etc.

Deposit saved

How it works

• Most UK lenders will offer 4 to 4.5 times your annual household income
• Your existing debts reduce the amount you can borrow
• Your deposit is added to the borrowing amount to give maximum property price
• Actual amounts depend on your credit score, employment, and lender criteria

Note: This is an estimate only. Lenders will assess your full financial circumstances including credit history, employment status, and regular outgoings. Consider getting an Agreement in Principle for a more accurate figure.