Mortgage borrowing calculator
Estimate how much you may be able to borrow based on your income and commitments.
Income
£
£
£
Monthly Commitments
£
£
£
Deposit & Rate
£
% p.a.
yrs
Your Borrowing Estimate
Maximum Borrowing
—
income-based estimate
Total Budget
—
borrowing + deposit
Est. Monthly Payment
—
repayment basis
Income Breakdown
Primary income (gross annual)—
Combined qualifying income—
Income multiplier applied—
Monthly Commitments Impact
Gross monthly income—
Estimated mortgage payment—
Remaining net monthly—
Typical Lender Estimates
This calculator provides an illustrative estimate only and does not constitute financial advice. Actual borrowing capacity will depend on your lender's individual affordability assessment, credit score, expenditure, and prevailing rates. Most UK lenders use income multipliers of 4×–5.5× and apply additional affordability stress tests at higher rates. Always speak with a qualified mortgage adviser or broker before making any financial decision.