Mortgage affordability calculator
Lenders typically offer around 4 to 4.5 times your annual salary. Enter your income to estimate your borrowing range and see what the monthly repayments would look like next to your actual take-home pay.
Check your affordability →Affordability is about take-home pay, not just multiples
Income multiples give the headline figure, but lenders stress-test your monthly commitments against your net income. Comparing the projected repayment with your real take-home pay — after tax, NI, pension and student loan — gives a much more honest picture of what is affordable.
Frequently asked questions
How many times my salary can I borrow?
Most UK lenders offer around 4 to 4.5 times annual salary, with some stretching to 5 times or more for higher earners or certain professions. Joint applications combine both incomes.
Does salary sacrifice affect my mortgage application?
It can. Salary sacrifice lowers your contractual gross salary, which can reduce the income figure lenders multiply — worth considering if you plan to apply for a mortgage soon.