Mortgage Affordability Calculator UK

Find out how much you can borrow for a UK mortgage. Our affordability calculator applies real UK lending criteria — considering your income, outgoings, and financial commitments — to give you a realistic borrowing estimate.

Most UK lenders offer up to 4.5× your annual income. Some specialist lenders offer up to 5.5× for certain professions. Use this calculator to understand your potential borrowing before approaching a lender or broker.