UK Affordability Calculator
How much could you actually borrow? We apply both rules UK lenders actually use — income multiple AND debt-to-income — and show you which one's binding. Plus a +3% rate stress test, so you can see where your monthly payment lands if rates move.
Affordability calculator
Estimate how much you can borrow and what property price that puts in range. We apply both an income-multiple cap and a 35%-of-disposable DTI cap, then surface the tighter of the two.
Lenders use their own affordability models — this is a guide, not an offer. Actual borrowing depends on credit history, expenditure patterns, employment type, and lender criteria.
Stress-test your specific scenario
The AI agent can take your numbers and tell you whether to push for the higher band, save more deposit first, or rethink the term.
How we compute affordability
UK lenders typically cap mortgages at 4.0–4.75× gross household income. A few stretch to 5.5× for high earners or specific products. The slider here lets you model your specific lender's multiple.
On top of that, we apply a debt-to-income (DTI) cap: your monthly mortgage shouldn't exceed roughly 35% of your disposable income (gross × 0.75 to estimate net, then minus existing commitments). Whichever cap is tighter wins — and that's what the "limiting factor" line shows.
The +3% stress test mirrors the historic Bank of England requirement: lenders had to check you could still afford your mortgage if rates rose by 3 percentage points. The formal rule was relaxed in 2022, but it's still a useful sanity check — and many lenders still apply something similar internally.
Estimates only — not regulated financial advice. Real lender decisions depend on credit history, expenditure patterns, employment type, and product-specific criteria.