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Mortgage Affordability Calculator

Enter your values

How to Use

Input your annual income, monthly outgoings, the current interest rate, and your preferred mortgage term to find out the maximum loan you could realistically afford. The result is a guideline — most lenders apply their own stress tests and income multiples on top. Use this figure as a starting point before speaking to a mortgage adviser.

Frequently Asked Questions

Frequently Asked Questions

Most lenders offer 4–5x annual income. Use this tool for a realistic figure based on your expenses.