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United Kingdom · GBP

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HomeCalc

Home affordability

See what price your income can carry. The loan is sized at a stress rate, not the promotional rate.

Figures follow UK law and each nation's rules, with every source cited and dated.

Your income and loan
£
Gross pay of everyone on the mortgage. UK lenders start from income before tax.
£
Current payments such as other loans, cards and instalments. Leave empty if none.
£
The part of the price you pay yourself, without borrowing.
years
%
The rate you expect to pay after any promotional period, or if rates rise. Results use this rate, never the promotional rate.
Stress interest rate
%
The largest share of your income that all monthly debt payments may take, the new loan included.
Maximum debt-to-income ratio (DTI)

Results

Highest price your income supports

£323,117.84

Loan at the stress rate, plus your down payment.

United Kingdom · GBP

Maximum payment per month
£1,800.00
Maximum loan at 5.5%
£293,117.84
Highest price when the loan is at most 90% of the price
£300,000.00

The loan-to-value cap sets the limit here.

Sized at the stress rate of 5.5% over 25 years. Lenders also look at your credit history and the home itself, so their figure can differ.

Note

Every figure on this page is an estimate based on the values you entered and on defaults from UK law, the selected nation's rules and common market practice, each as of the date shown next to it. It is not financial, legal or tax advice. The real amounts are in your solicitor's or conveyancer's completion statement, the tax return they file and your lender's mortgage offer; check them before exchange of contracts. This page does not store what you enter; it stays in the page address only.

Assumptions you can change

Maximum loan-to-value (LTV)

90%

Source: market convention

The largest share of the price a lender will lend. With a small down payment, this cap can limit the price before your income does.

The link carries only the numbers you entered. The site keeps no copy of them.

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