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Affordability Calculator

Calculate the maximum house price you can afford based on your income and expenses

Wondering how much you can borrow for your first home? Our free affordability calculator estimates your maximum mortgage based on your income, regular outgoings, and deposit size. Most UK lenders offer between 4 and 4.5 times your annual salary — but your actual borrowing power depends on your full financial picture.

For a detailed guide to deposits, income requirements, and the full buying process, see our First-Time Buyer Guide UK 2026.

Your Details

Before tax and deductions

Leave blank if buying alone

Car loans, credit cards, student loans, etc.

Amount you have saved for deposit

Affects mortgage approval criteria

Your Affordability

Enter your details to calculate your affordability

Frequently Asked Questions

How much mortgage can I get on my salary?
Most UK lenders will offer between 4 and 4.5 times your annual salary. So if you earn £35,000, you could typically borrow between £140,000 and £157,500. Joint applicants can combine their incomes. Some lenders offer up to 5.5x for certain professionals.
What factors affect mortgage affordability?
Lenders look at your income, regular outgoings (loans, credit cards, childcare), your credit score, the deposit amount, your employment type, and sometimes your spending habits. They also stress-test against potential interest rate rises.
Can I get a mortgage on a single income?
Yes, you can get a mortgage on a single income. Using the 4-4.5x multiplier, a £30,000 salary could support a mortgage of £120,000-£135,000. Adding a larger deposit increases the property price you can afford.
How does my deposit affect what I can borrow?
Your deposit determines your loan-to-value (LTV) ratio. A larger deposit means a lower LTV, which typically means access to better interest rates. However, the deposit itself doesn't increase how much a lender will lend you — that's based on income.
Do student loans affect mortgage affordability?
Yes. Student loan repayments reduce your disposable income, which lenders factor into affordability assessments. However, they're treated as an outgoing rather than a debt, and most lenders have experience working with applicants who have student loans.

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