Estimate how much mortgage you may be able to afford.
Compare income, deposit, debts, expenses, mortgage rate, and term to estimate a possible mortgage size and property budget.
Dual-limit estimate
Uses the lower of an income multiple and a monthly repayment limit after regular debts.
Estimated property budget
£371,429
Based on a mortgage of £331,429 plus your deposit.
Inputs
Affordability details
Estimate
Results
Estimated property budget
£371,429
Maximum mortgage
£331,429
Monthly payment
£1,938
Debt-to-income
35%
Monthly buffer
£2,263
The monthly repayment limit is the binding limit in this estimate. Assumes a 35% gross-income repayment threshold after monthly debt payments.
Affordability checks
What shaped this estimate
Income multiple limit
£337,500
Based on 4.5x household income.
Repayment-based limit
£331,429
Based on a maximum payment of £1,938 per month.
Regular costs buffer
£2,263
Estimated monthly income left after debts, expenses, and the mortgage payment.
Important disclaimer
This calculator provides estimates only and does not constitute mortgage advice or financial advice. Lender affordability checks can vary significantly and may include credit history, dependants, spending patterns, stress testing, fees, and local lending rules.