MORTGAGE Affordability Calculator
Find out how much you can borrow based on your income
Annual gross salary before tax
≈ £4,167/month gross
Leave at £0 if buying alone
Include credit cards, loans, car finance, childcare — anything that reduces your disposable income.
Income Multiples
£200,000
£1,228/month
Property up to
£250,000
£225,000
£1,382/month
Property up to
£275,000
£250,000
£1,535/month
Property up to
£300,000
£275,000
£1,689/month
Property up to
£325,000
4.5x is standard. 5x+ may require larger deposit and clean credit.
If rates were 7.5%...
Your payment would be £1,663/month
Know your budget? Calculate your monthly payments.
Use Mortgage CalculatorReady to take the next step?
Based on your £275,000 property with a £50,000 deposit — connect with a professional who can help.
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