Use this tool to estimate how much you may be able to borrow for a mortgage, based on common income multiples used by UK lenders.
The mortgage affordability calculator above is intended to provide a general indication of potential mortgage eligibility. It is for guidance purposes only and does not constitute financial advice.
Your Estimate (Total Income: ):
You may be eligible to borrow up to
This estimate is based on around 4.5 times your annual income, which is a standard affordability range used by many lenders.
In certain cases, lenders may go up to 5 times your income, especially if you have a strong financial profile and stable earnings.
Higher income multiples are less common but may be available depending on your financial strength and circumstances.
This level is typically reserved for applicants with high income and a solid financial position.
