Affordability Mastery
Lenders assess affordability using strict criteria. Understanding how they calculate your maximum borrowing lets you optimise your application and maximise your mortgage offer.
Your mortgage affordability depends on income, expenses, debts, deposit, and how lenders apply affordability stress tests. We'll show you exactly how lenders think.
What Affects Affordability
- ✓ Gross income assessment
- ✓ Affordability stress tests (interest rate +3%)
- ✓ Debt-to-income ratios
- ✓ Outgoings and household expenses
- ✓ Credit score impact on rates
- ✓ Deposit size and LTV ratios
- ✓ Employment history verification
- ✓ Self-employment income averaging
Interactive Calculator
Calculate your maximum mortgage with multiple income and expense scenarios.
Application Strategy
Maximise your affordability within lender criteria and stress test rules.
Affordability Planning
We'll review your income, expenses, and current debts, model multiple scenarios, show you exactly how lenders assess your affordability, and guide you on maximising your mortgage approval.