Mortgage Affordability Calculator

Enter your gross salary to see how much mortgage you can get, monthly repayments, and deposit scenarios.

Popular Salary Lookups

£25,000 £30,000 £35,000 £40,000 £50,000 £60,000 £75,000 £100,000

How It Works

1.Income multiplier — Most UK lenders offer 4–4.5× your gross annual salary. We use 4.5× as the standard maximum.
2.Deposit scenarios — We show what property you can afford with 5%, 10%, 15%, and 20% deposits.
3.Monthly repayments — Calculated at 5% interest over a 25-year term (capital + interest).
4.Affordability check — We compare your mortgage payment against your take-home pay using the 30% rule.

Important

These are estimates based on standard lending criteria. Your actual mortgage offer depends on credit score, existing debts, deposit size, property type, and individual lender policies. Always speak to a mortgage adviser for personalised guidance.

Mortgage Affordability Calculator

Enter your gross salary to see how much mortgage you can get, monthly repayments, and deposit scenarios.

Popular Salary Lookups

£25,000 £30,000 £35,000 £40,000 £50,000 £60,000 £75,000 £100,000

How It Works

1.Income multiplier — Most UK lenders offer 4–4.5× your gross annual salary. We use 4.5× as the standard maximum.
2.Deposit scenarios — We show what property you can afford with 5%, 10%, 15%, and 20% deposits.
3.Monthly repayments — Calculated at 5% interest over a 25-year term (capital + interest).
4.Affordability check — We compare your mortgage payment against your take-home pay using the 30% rule.

Important