Mortgage Borrowing Inputs
Enter applicant income, deposit, debts, dependants and profile details to estimate possible mortgage borrowing.Borrowing Scenarios
Income multiple range| Scenario | Multiple | Max Borrowing | Max Property | Meaning |
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Affordability Snapshot
Stress-tested view| Metric | Value | Status |
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How This Mortgage Borrowing Calculator Works
This calculator estimates possible UK mortgage borrowing using annual income, single or joint application status, deposit, monthly debt, fixed costs, dependants, credit profile, employment type and a stress-tested monthly payment.
It compares common income multiple scenarios and applies simple affordability adjustments. The result is designed to help you understand a realistic borrowing range before speaking with a mortgage broker or lender.
Income
Single or Joint Salary
Add one or two applicants to estimate borrowing based on combined income.
Deposit
Property Budget
Your deposit is added to the estimated borrowing to show an indicative property budget.
Risk
Affordability Check
Debts, fixed costs and dependants reduce the estimated borrowing range.
Important: This calculator is an estimate only. Mortgage lenders use detailed affordability checks, credit searches, expenditure models and product-specific rules. Always confirm borrowing power with a qualified mortgage adviser or lender.
Borrowing Estimate
Live affordability result
Fill in the calculator to estimate how much you may be able to borrow for a mortgage.
Total Income£0
Deposit£0
Loan-to-value0%
Monthly Commitments£0
Calculation Breakdown
Base multiple0x
Adjusted multiple0x
Debt adjustment-£0
LTV cap£0
Stress cap£0
Useful Notes
- Many lenders use income multiples around 4.0x to 4.5x, while stronger profiles or special products may reach 5.0x to 6.0x.
- A larger deposit may reduce LTV and improve borrowing options.
- Existing debts and fixed costs can reduce affordability even when income is strong.
- Every lender uses its own criteria, so this calculator is only an estimate.