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UK Mortgage Affordability Calculator
Find out how much you can borrow based on your income. Uses UK lender income multipliers with LTV ratio and monthly payment estimates.
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Max Property
£277,500
Max Borrowing
£247,500
Monthly Payment
£1,376
LTV Ratio
89%
Summary
Income multiplier4.5x
Total combined income£55,000
Total interest paid£165,206
Total repayment£412,706
How to Use
1Enter your annual income
2Add partner income if applicable
3Enter your deposit amount
4View your maximum borrowing and monthly payments
Frequently Asked Questions
How is affordability calculated?
UK lenders typically offer 4-4.5x your annual income. We use 4.5x for borrowers with no existing debt, and 3.5x if you have monthly debt payments.
Does this account for my deposit?
Yes — your maximum property price equals your maximum borrowing plus your deposit.
Is the interest rate fixed?
You can adjust the rate. We default to 4.5% which reflects typical 2026 UK rates.