Mortgage Affordability Calculator
How much could you borrow?
How To Use The Calculator
Enter your income (and your partner’s income if applying jointly)
Add your regular outgoings and credit commitments
Include dependants if asked
Click Calculate to see your estimate
Mortgage Affordability Calculator
How To Use The Calculator
Enter your income (and your partner’s income if applying jointly)
Add your regular outgoings and credit commitments
Include dependants if asked
Click Calculate to see your estimate
This calculator is computer generated, results are rounded and rely on certain assumptions to give a useful estimate, but your final borrowing amount depends on lender criteria, credit checks, and how your income is assessed (especially for self-employed, overtime/commission, or multiple income sources). We’ll help you understand what’s realistic and which lenders are most likely to say yes.
This calculator is computer generated, results are rounded and rely on certain assumptions to give a useful estimate, but your final borrowing amount depends on lender criteria, credit checks, and how your income is assessed (especially for self-employed, overtime/commission, or multiple income sources). We’ll help you understand what’s realistic and which lenders are most likely to say yes.
Want a more accurate figure?
We can sense-check your result and match you to lenders based on your circumstances, so you don’t waste time applying to the wrong place.
Affordability Calculator FAQs
Affordability Calculator FAQs
Will this affect my credit score?
No, using this calculator won't impact your credit score.
Am I guaranteed to get the amount the calculator shows?
No, this is an estimate to help you plan. Your final borrowing amount depends on lender checks and criteria
I'm self-employed, can I still use this?
Yes of course! Use it as a guide, we'll assess your income the way lenders do (accounts/SA302's)
Does my deposit effect affordability?
Your deposit doesn’t usually increase the amount you can borrow, but it can improve your options and the rates available.
What should I do after I get my result?
Get in touch! We’ll review the results with you, confirm what’s realistic, and outline the quickest next step.
Affordability Calculation Assumptions
To create these results, we assume:
The information you enter is accurate and complete
Lenders assess affordability using income and committed expenditure (and this varies by lender)
The result is an estimate and not a mortgage offer or approval
Sign up to our newsletter for more mortgage and property advice
Have Questions? Our team is ready to help!
