Mortgage Affordability Calculator UK
Estimate the maximum mortgage you can borrow based on your annual income.
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Maximum Mortgage
£180,000
Maximum Property Value
£210,000
This is an estimate. Lenders assess affordability based on outgoings, credit history, and deposit size. Always get professional mortgage advice.
How much can you borrow for a mortgage? This calculator gives you a quick estimate based on standard UK lender income multiples. Remember that lenders also assess your outgoings and credit history — this is a guide, not a guarantee.
How It Works
UK mortgage lenders typically use income multiples to assess affordability:
- 4× income: cautious / first-time buyers
- 4.5× income: standard high street lenders
- 5× income: higher earners with strong credit
- 5.5× income: specialist/professional mortgages
Two-income households: lenders combine both incomes. Typically, 4–4.5× the primary income plus the secondary income, or up to 4× of both combined.