How much could you borrow?
Get an indicative idea of your maximum mortgage and monthly repayments. Adjust the figures below and your results update instantly.
How this is calculated
- Maximum borrowing = (combined annual income − annual commitments) × the income multiple shown.
- Most UK lenders cap lending around 4.5× income, though this varies by lender, profession and circumstances.
- Monthly repayment assumes a capital & interest (repayment) mortgage over the chosen term and rate.
- The stress test re-runs the payment at your rate + 3% to show affordability headroom if rates rise.
This calculator provides an indicative estimate only and does not constitute a mortgage offer, a recommendation, or regulated financial advice. Actual borrowing depends on each lender's affordability assessment, credit checks, deposit, property type and your full circumstances. Your home may be repossessed if you do not keep up repayments on your mortgage. Speak to a qualified mortgage adviser before making any decisions.
Affordability Calculator
Quickly estimate how much you could borrow based on your income, deposit, and mortgage details.
Repayments Calculator
Get an estimate of your monthly mortgage payments by entering the loan amount, interest rate, and term.
Stamp Duty Calculator
Find out how much Stamp Duty you’ll need to pay based on your property price and location.
Overpayments Calculator
See how making extra payments could reduce your mortgage term and total interest.
Payment Holiday Calculator
Thinking about pausing your payments? See how a payment holiday could affect your mortgage term and total cost.
Salary Calculator
Calculate your take-home pay after tax, National Insurance, and pension deductions.
Equity Release Calculator
An indicative guide to the tax-free cash a lifetime mortgage could unlock, and how the amount owed could grow over time.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgages and protection products are subject to eligibility and lender criteria.
Equity release may reduce the value of your estate and affect your entitlement to means-tested benefits.
Buy-to-let mortgages are not usually regulated by the Financial Conduct Authority.
We are authorised and regulated by the Financial Conduct Authority. FCA number: 1013121
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