Affordability estimator
A quick borrowing estimate from your income, employment type and commitments. Indicative only, lender criteria vary.
Affordability calculator
Add your details above. We will show an indicative borrowing range, target property price and monthly payment estimate.
Next step: book a quick 15-minute call and we will check your figures against over 65 lenders. No credit check, no obligation.
If rates rise
Estimated monthly repayment on the indicative borrowing figure, capital and interest, over the chosen term.
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This is an indicative estimate only. Actual borrowing depends on individual lender criteria, credit history, property valuation, and full affordability assessment. The figures shown are not a mortgage offer or recommendation. We use illustrative interest rates that change frequently; current rates may differ. Think carefully before securing other debts against your property. Your property may be repossessed if you do not keep up repayments on your mortgage. Major Money Matters Ltd is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority. FCA reference 409534.
How to read this result
The headline number is an indicative borrowing range based on a typical income multiple, usually 4 to 4.5 times income, with stretch options up to around 5 to 6 times for stronger profiles or specialist lenders. It is a starting point for the conversation, not a lender decision.
What the calculator does not include: lender-specific affordability models, child costs, pension contributions, retained company profits, commitments not declared, and any expected change in income. Two lenders looking at the same income can land 10 to 20% apart on the same case once their affordability calculator runs.
If your income is anything other than straight PAYE, treat the figure as a floor and book a call. Self-employed, contractor, day-rate, dividend-heavy and bonus-led income all have specific lender treatments. The right lender for your profile may stretch your borrowing materially above the typical multiple.
When the figure is meaningfully different from what you need, that is a signal to talk. Either the deposit needs to flex, the property bracket needs to flex, or there is a specialist lender route worth exploring. We will tell you straight.
Related guides
How much can I borrow?
Income multiples, lender stretch, the difference between PAYE and self-employed treatment, and how lenders calculate affordability.
Read guideThe mortgage application process
From Agreement in Principle through underwriting to mortgage offer. What happens at each stage, and what we do for you.
Read guideFirst-time buyer mortgages
Deposit ranges, Agreement in Principle, gifted deposits, joint borrower arrangements and the lender pool by deposit size.
See first-time buyersWant a real number, not an indicative one?
A quick 15-minute call with an adviser, current lender criteria applied to your case, and a written summary of where you sit.
We aim to return your call as quickly as we can. Mon to Fri 9am to 5pm, weekend appointments on request.