Mortgage Affordability Calculator (UK)
Estimate how much you could borrow for a mortgage and the home price you can aim for.
Estimated borrowing
Estimated maximum home price
Deposit as a share of price
How it works
Many UK lenders offer around 4 to 4.5 times your yearly income, and sometimes more. Borrowing = income x multiple. Maximum price = borrowing + deposit.
Example: a 45,000 income at 4.5 times gives 202,500 of borrowing. With a 30,000 deposit you could look at homes up to about 232,500, with a deposit of 12.9%. Lenders also check your spending, debts and credit record, so this is only an estimate.
Frequently asked questions
How much can I really borrow?
It depends on the lender, your outgoings and your credit record. A mortgage broker can give a firm figure.
Does a bigger deposit help?
Yes. It raises the price you can afford and can lower your interest rate.
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Last updated October 2026. For information only, not financial advice.