Mortgage Affordability

Estimate how much you can borrow based on your income and expenses to find your ideal home budget.

Applicant 1

Annual Salary (Pre-tax)

Annual Bonus / Commission

Other Regular Income

Monthly Debt Repayments

Loans, credit cards, car finance

Monthly Living Costs

Childcare, insurance, essential costs

Total Deposit Available

You could borrow up to

Estimated Budget

Based on deposit

Results are estimates based on 4.5x income

Our mortgage partners can help you secure the best rates and provide a formal ‘Agreement in Principle’.

FCA Registered Partners

Most lenders offer between 4 and 4.5 times your combined gross annual income as a base borrowing limit.

We deduct your monthly commitments and a portion of living costs to ensure you can afford repayments if rates rise.

The final budget combines what you can borrow with your deposit, assuming a minimum 5-10% down payment.