Estimate how much you could borrow and what property price that unlocks, based on income, debts and deposit.
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How This Works
Maximum borrowing = combined income × income multiple − debt adjustment (annual debt × 3). Most lenders cap at 4–4.5× income, with higher multiples available for high earners or specific professional mortgages. Lenders stress-test at the offer rate + 3% to ensure affordability if rates rise.
Options to increase maximum borrowing: improve credit score (check and fix errors, reduce utilisation, avoid new credit applications before applying), pay off existing debts (each £100/month in debt reduces borrowing by ~£3,600), increase deposit (reduces LTV and may open higher income multiples), apply jointly (adds a second income), or use a specialist lender who offers higher multiples for professionals (doctors, lawyers, accountants).