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Mortgage Affordability Calculator

This calculator will help you estimate how much you can afford to borrow to buy a home. We’ll work it out by looking at your income and your outgoings

Your annual income (before tax)
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Your deposit amount
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And your expected Interest Rate
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Over how many years
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Monthly Cost:
£0.00
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Loan Required:
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Purchase Price:
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Affordability Breakdown

Based on borrowing {loan_amount} over {term_years} years at {interest_rate}%, your monthly repayments would be {answer_two} with a {loan_to_value} loan to value. A one off Stamp Duty cost of {total_stamp_duty} is payable at the start of your mortgage.

To qualify for a mortgage of {loan_amount}, lenders will typically require a gross annual income of {afford4_5} to {afford3_2}. Our estimate is based on a single income multiple of 3.2 to 4.5, and is subject to the lender's lending criteria.

£0
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Your Deposit Amount

The amount of deposit you have:

LTV

The ratio of the loan to the value :

STAMP DUTY

Stamp Duty Tax on house value:

Term of Mortgage

Mortgage Term in years::
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0%
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Please note your Loan To Value (LTV) must be at the most 95%, you will need to revise your figures to estimate calculations

Loan Amount£0.00
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Purchase price$0.00
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Stamp Duty 2%: $0
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Stamp Duty 2% max: $0
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Stamp Duty 5%: $0
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Stamp Duty 10%: $0
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Stamp Duty 12%: $0
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This is for illustrative purposes only and is not a mortgage offer. Before a lender will agree a loan, a full mortgage application will be required. Please also note we do not store or see any of the information you input to these calculators.