Mortgage Calculator
Residential affordability calculator
How much could you borrow?
Get an estimate in a couple of minutes, then see how the monthly payments would fit your budget.
- 1Income
- 2Outgoings
- 3Results
Your income
Your basic yearly pay before tax and deductions.
What lands in your bank each month after tax, NI, pension and student loan.
Guaranteed bonus, regular overtime, second job, rental, pension, car allowance etc.
Buying jointly? Enter the age of the oldest applicant.
Are you buying with someone else?
Second applicant's income
Your purchase
Savings, a gifted deposit or equity from a sale. Add it to see your property budget.
Which best describes you?
Like a lender, we use your outgoings to check what you could afford. If you're buying jointly, add both applicants' costs together. Leave anything blank that doesn't apply.
Household and commitments
Children who live with you or you support financially.
The rent or mortgage that stops when you move. Used only to compare with your new payment.
Total amount you owe across all credit and store cards. We count 3% of this as a monthly payment, like lenders do.
Monthly payments on car finance, personal loans, hire purchase and buy now pay later.
Monthly payments on any mortgage that continues after you buy, e.g. a property you're keeping or letting out. Don't include one you're paying off.
Maintenance you pay to a former partner or for children.
Nursery, childminder, breakfast and after-school clubs, school fees.
Living costs
How would you like to enter living costs?
Fuel, car insurance, public transport, commuting.
Council tax, energy, water, phone, broadband, insurance, subscriptions.
Food shopping, lunches, toiletries and household basics.
Eating out, clothes, nights out, hobbies, holidays. Tip: yearly total ÷ 12.
You could potentially borrow between
£0and£0
Based on a total income of £0 a year over a term.
We can't show a borrowing figure
Your outgoings are close to or above your take-home pay, so a lender's affordability check would be very tight. Every lender looks at this differently, so it's worth talking it through.
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Try different figures
Longer terms lower the monthly cost but you pay more interest overall.
An illustrative rate, not a quote.
Estimated monthly payment
£0
Your property budget
Maximum property price
With the mortgage amount above
| Property price | |
|---|---|
| Deposit | |
| Loan to value (LTV) | |
| Estimated stamp duty |
Add your deposit in step 1 to see your property budget, loan to value and an estimate of stamp duty.
Where your take-home pay goes
- Mortgage
- Other costs
- Left over
Your monthly budget
| Take-home pay | |
|---|---|
| New mortgage payment | |
| Credit and commitments | |
| Living costs | |
| Left over |
Compared with now
| Current rent or mortgage | |
|---|---|
| New mortgage payment |
What if interest rates rise?
Rates can change when a fixed or tracker deal ends. Here's how your budget would look at higher rates.
| Rate | Monthly payment | Left over |
|---|
Want to know what lenders will actually offer?
Every lender calculates affordability differently. I compare over 120 lenders to find what you can really borrow and the right deal for you. Your first consultation is free.
