Mortgage affordability calculators for the UK
How much a UK lender will actually offer depends on income multiples (typically 4×–5×), credit commitments, deposit and profile. Start with the affordability calculator below.
Mortgage affordability calculator
Enter your figures, then add your name and phone to reveal the result. Free, no credit check.
More affordability calculators
How much can I borrow calculator
Same core logic as affordability, framed around the maximum loan a lender will offer.
Maximum mortgage calculator
Stretch-lender view — up to 5.5× income for high earners or professional borrowers.
First-time buyer affordability calculator
Adjusted for 95% LTV, LISA bonus and first-time buyer SDLT relief.
Joint mortgage affordability calculator
Two-applicant income assessment, including joint borrower sole proprietor.
Self-employed mortgage affordability calculator
Uses SA302/tax-calc income averaging, not payslips.
Every scenario above depends on lender-specific criteria (income multiples, ICR, stress rates, credit profile). A vetted FCA-regulated broker will run the exact numbers for your situation in one working day.
Frequently asked questions
How many times my salary can I borrow in the UK?
Most UK lenders offer 4× to 4.5× joint income; a smaller pool offers 5×–5.5× for higher earners, professionals or borrowers with clean credit and a strong deposit.
Do credit commitments reduce mortgage affordability?
Yes. Every £100/month of committed credit (loans, car finance, credit card minimums, buy-now-pay-later) can reduce your borrowing by ~£4,500–£6,000 depending on lender stress rates.
Do UK lenders count childcare costs against affordability?
Yes — most lenders deduct declared childcare (nursery, wraparound) from your net income before applying the multiple. Tax-Free Childcare and 30 free hours can soften this.
Can I use bonus, overtime or commission on a UK mortgage?
Yes. Lenders typically take 50% of a 2-year average of variable income; a few take 100% of guaranteed bonus. Self-employed dividends are treated separately.
How much deposit do I need to buy in the UK?
5% is the practical floor for a 95% LTV mortgage. 10% widens the pool significantly, and 15–25% unlocks the sharpest headline rates.
Does a Help to Buy ISA or Lifetime ISA affect affordability?
Not the affordability calculation itself, but the 25% government bonus boosts your deposit — which improves LTV and unlocks lower rates.
Will a soft affordability check hurt my credit score?
No. A soft search (which brokers and lenders' online tools use for a decision in principle) leaves no visible footprint on your credit file.