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
£1,276/month
Property up to
£250,000
£225,000
£1,436/month
Property up to
£275,000
£250,000
£1,596/month
Property up to
£300,000
£275,000
£1,755/month
Property up to
£325,000
4.5x is standard. 5x+ may require larger deposit and clean credit.
If rates were 7.9%...
Your payment would be £1,722/month
If rates were 2% higher, payments would be £1,721.71/month
Know your budget? Calculate your monthly payments.
Use Mortgage CalculatorExplore More Tools
Mortgage Summary Report
Build a shareable PDF of your mortgage situation
Mortgage Repayment
Monthly payments & schedules
Mortgage Overpayment
Save interest by overpaying
Remortgage Savings
Compare your current vs new deal
Mortgage Comparison
Compare deals side by side
Rental Yield
Investment property analysis
Buy-to-Let Tax
Section 24 tax impact calculator
Stamp Duty
SDLT, LBTT & LTT
Moving Costs
True cost of moving home
Rent vs Buy
Which is better for you?
Mortgage vs Investing
Overpay or invest in the market?