ℹ️ How to Use This Calculator

Enter your income details, monthly expenses, and deposit amount to calculate your maximum borrowing capacity. Get personalized advice, budget breakdowns, and stress test results to help you make informed decisions.

Your Income Details

Primary Applicant

Annual Gross Income Your total annual income before tax

Monthly Take-Home Pay Your monthly income after tax

Other Monthly Income Bonuses, rental income, etc.

Add Second Applicant (Joint Application)

Your Monthly Expenses

Debt Payments Credit cards, loans, car finance, etc.

Living Costs Food, utilities, transport, etc.

Other Expenses Entertainment, subscriptions, etc.

Mortgage Details

Deposit Amount How much deposit do you have?

Interest Rate (%) Expected mortgage interest rate

Mortgage Term (Years) How long will the mortgage last?

Your Affordability Results

Maximum Borrowing

£0.00

Maximum Property Price

£0.00

Estimated Monthly Payment

£0.00

Debt-to-Income Ratio

Affordability Assessment

Good

💡 Recommendations

Monthly Budget Breakdown

Mortgage Payment: £0.00

Living Costs: £0.00

Debt Payments: £0.00

Other Expenses: £0.00

Remaining Income: £0.00

Stress Test Results

Lenders typically stress test your mortgage at a higher interest rate to ensure you can still afford payments if rates increase.

Stress Test Rate: 0%

Payment at Stress Rate: £0.00

Still Affordable: Yes

Income Multipliers

Multiplier	Maximum Borrowing

Property Price Ranges by Deposit

Deposit %	Max Property Price	Required Deposit

🏠 Mortgage Affordability Calculator

ℹ️ How to Use This Calculator

Your Income Details

Primary Applicant

Second Applicant

Your Monthly Expenses

Mortgage Details

Additional Information

Your Affordability Results

Affordability Assessment

💡 Recommendations

Monthly Budget Breakdown

Stress Test Results

Income Multipliers

Property Price Ranges by Deposit

Export Your Results