Mortgage borrowing calculator

Affordability · indicative

Mortgage borrowing calculator

A quick guide to how much you might be able to borrow, based on your income less regular outgoings — and what that means for your property budget once your deposit is added.

Your details

GBP
£45,000
£30,000
£40,000
£600

Regular commitments like loans, credit cards, childcare and car costs — not everyday spending.

Indicative borrowing (about 4.5× income)

£305,100

Based on £75,000 income less £7,200 a year of outgoings — about 88% loan-to-value with your deposit.

£305,100Typical · 4.5×
Cautious · 2.5×
£169,500
Generous · 5.0×
£339,000

Lower estimate

£169,500

Higher estimate

£339,000

Property budget

£345,100

How it's worked out

2.5×–5.0× income
Assumptions. Maximum borrowing is estimated as a multiple of between 2.5 and 5.0 times your total income, after deducting your annualised outgoings — around 4.5× is shown as a typical figure. This is an indicative guide only; a lender's actual offer depends on a full affordability assessment, credit history, the interest rate stress test, and the loan-to-value, and can be higher or lower. Your home may be repossessed if you do not keep up repayments on your mortgage. Not financial advice — speak to a qualified mortgage adviser.