Affordability Calculator

How Much Can You Borrow?

Estimate your borrowing power

Include car finance, loans, credit cards etc.

Income Multiplier Examples

Different lenders use different multipliers

Standard
4.5x income

Most high street lenders

£255,000

max property

Enhanced
5x income

Professional schemes, higher earners

£280,000

max property

Specialist
5.5x income

Select lenders with strong applications

£305,000

max property

Actual borrowing depends on your credit history, outgoings, and lender criteria.

These figures are for illustration only and do not constitute mortgage advice. All mortgages are subject to eligibility.