Skip to main content
UK Utility Tools Search tools
All tools Dates & Time Postcodes & Places Business Salary & Tax Property
Property

Mortgage Affordability Calculator UK

Create a simple indicative mortgage borrowing and property-budget estimate from household gross income and deposit.

Loading calculator…
HOW IT WORKS

How the Mortgage Affordability Calculator UK works

1

Enter household income

Add one or two annual gross incomes.

2

Choose an illustrative multiplier

Use the income multiple you want to model.

3

Add your deposit

See the borrowing illustration and combined property budget.

COMMON QUESTIONS

Frequently asked questions

Is this how much a lender will offer me?

No. It is only an income-multiple illustration. Lenders apply their own affordability, credit and stress-testing criteria.

What multiplier should I use?

There is no universal multiplier. Use the field to model a scenario rather than treating the default as an offer or recommendation.

Does it include monthly debts?

No. This simple tool does not assess commitments or lender-specific affordability rules.

Does the property budget include fees and taxes?

No. It simply adds the entered deposit to the illustrative borrowing amount.

RELATED TOOLS

Try another useful calculator

Property Mortgage Calculator UK Estimate monthly repayments, total interest and loan-to-value. Property Mortgage Deposit Calculator Calculate deposit percentage and mortgage size, or the deposit needed for a target LTV. Property Loan-to-Value Calculator Calculate mortgage loan-to-value, equity and equity percentage from property value and mortgage balance.