Planning tool
Mortgage Affordability Calculator
Find out how much you could borrow for a UK mortgage based on your salary, deposit, and existing commitments.
Frequently Asked Questions
- How much can I borrow based on my salary?
- Most lenders offer 4 to 4.5 times your gross annual income. Some specialist lenders may stretch to 5 or 5.5 times for higher earners or certain professions, but affordability checks still apply.
- What is a mortgage stress test?
- Lenders assess affordability under their own rules. This tool illustrates payments at 8.5%, not a current quoted rate or a universal regulatory test. The FPC’s former three-percentage-point recommendation was withdrawn in August 2022.
- What is a good debt-to-income ratio for a mortgage?
- This tool uses 35%, 45% and 55% of gross income as illustrative debt-payment thresholds. They are not UK-wide lender rules. Lenders also assess living costs, dependants, credit history and other commitments.
How to read this affordability estimate
This page is designed as an affordability planning tool, not lender advice. It is most useful for testing borrowing ranges against income, commitments, and repayment pressure before speaking to a broker.
- Shows a planning range rather than promising lender approval
- Useful for checking how salary changes or commitments affect borrowing headroom
- Salary sacrifice can matter because some lenders use post-sacrifice income in affordability checks
Related reads before you borrow
These pages help if you are comparing borrowing power with changing salary, benefits, or take-home assumptions.
This calculator provides estimates only. It is not financial advice. Speak to a mortgage adviser for a personalised assessment.