Mortgage Affordability Calculator

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

£

Enter a salary between £20,000 and £150,000. We'll round to the nearest £5,000.

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.