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Mortgage Affordability Calculator
Estimate how much mortgage you could get based on income, deposit and existing debts. Most UK lenders offer 4 to 4.5 times your annual income.
How This Works
- Most lenders offer 4 to 4.5 times your combined annual income
- This calculator uses 4.5x as the multiplier
- Existing debts reduce what lenders will offer
- A larger deposit means better interest rates (lower LTV)
- Lenders also stress-test at higher rates, so actual offers may vary