Calculate your monthly mortgage paymentMortgage Affordability CalculatorThis 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 outgoingsYour annual income (before tax)Field is required!Field is required!Your deposit amountField is required!Field is required!And your expected Interest RateField is required!Field is required!Over how many yearsField is required!Field is required!Monthly Cost:£0.00Field is required!Field is required!Loan Required:£0Field is required!Field is required!Purchase Price:£0Field is required!Field is required! 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. <div class="card bg-primary text-white"><br /> <div class="card-body"><span style="font-size:24px;">Affordability Breakdown</span></div></div><br /> <p style="color: #666666; font-size: 16px; line-height: 24px;">Based on borrowing <span style="color: #6584ff;">{loan_amount}</span> over <span style="color: #6584ff;">{term_years}</span> years at <span style="color: #6584ff;">{interest_rate}%</span>, your monthly repayments would be <span style="color: #6584ff;">{answer_two}</span> with a <span style="color: #6584ff;">{loan_to_value}</span> loan to value. A one off Stamp Duty cost of <span style="color: #6584ff;">{total_stamp_duty}</span> is payable at the start of your mortgage.</p>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.<p style="color: #666666; font-size: 16px; line-height: 26px;">To qualify for a mortgage of <span style="color: #6584ff;">{loan_amount}</span>, lenders will typically require a gross annual income of <span style="color: #6584ff;">{afford4_5}</span> to <span style="color: #6584ff;">{afford3_2}</span>. Our estimate is based on a single income multiple of 3.2 to 4.5, and is subject to the lender's lending criteria.</p>£0Field is required!Field is required!£0Field is required!Field is required!Your Deposit AmountThe amount of deposit you have:LTVThe ratio of the loan to the value :STAMP DUTYStamp Duty Tax on house value:Term of MortgageMortgage Term in years::£0Field is required!Field is required!0%Field is required!Field is required!£0Field is required!Field is required!0Field is required!Field is required!Please note your Loan To Value (LTV) must be at the most 95%, you will need to revise your figures to estimate calculations<p style="text-align: left;"><span style="font-size: 14px !important; color: #00bbd4;">Please note your Loan To Value (LTV) must be at the most 95%, you will need to revise your figures to estimate calculations</span></p>[{"field":"loan_to_value","logic":"greater_than","value":"96","and_method":"","field_and":"salary","logic_and":"","value_and":""}]Loan Amount£0.00Field is required!Field is required!Purchase price$0.00Field is required!Field is required![{"field":"purchase_price_hidden","logic":"greater_than","value":"125000","and_method":"","field_and":"loan_amount","logic_and":"","value_and":"","new_value":"2"}]Stamp Duty 2%: $0[{"field":"purchase_price","logic":"less_than_or_equal","value":"250000","and_method":"","field_and":"loan_amount","logic_and":"","value_and":""}]Field is required!Field is required!Stamp Duty 2% max: $0[{"field":"purchase_price","logic":"greater_than","value":"250000","and_method":"","field_and":"loan_amount","logic_and":"","value_and":""}]Field is required!Field is required![{"field":"purchase_price_hidden","logic":"greater_than","value":"250000","and_method":"","field_and":"loan_amount","logic_and":"","value_and":"","new_value":"5"}]Stamp Duty 5%: $0Field is required!Field is required![{"field":"purchase_price_hidden","logic":"greater_than","value":"925000","and_method":"","field_and":"loan_amount","logic_and":"","value_and":"","new_value":"10"}]Stamp Duty 10%: $0Field is required!Field is required![{"field":"purchase_price_hidden","logic":"greater_than","value":"1500000","and_method":"","field_and":"purchase_price_hidden","logic_and":"","value_and":"","new_value":"12"}]Stamp Duty 12%: $0Field is required!Field is required!SubmitRequest Free Callback 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.