Mortgage Calculators
Free, instant tools to help you understand your mortgage options — affordability, repayments, stamp duty and more.
FCA Regulated
AR No. 498937
5.0 Rating
Customer Rating
24/7
AI assistance
Choose a tool
Affordability Calculator
How much could you borrow based on your income?
Credit Commitments
Credit cards are calculated at 3% of the balance. All other credit is annualised from the monthly repayment.
No credit commitments added.
Likely High Street Lender Borrowing
£200,000
Max Property Value (4× income)
£225,000
Possible High Street Lender Borrowing (subject to credit score)
£250,000
Max Property Value (5× income)
£275,000
Specialist Lending
£300,000
Max Property Value (6× income)
£325,000
Most lenders use 4–4.5× income, but some specialist lenders offer 5–6× for certain professions or stronger affordability cases. Credit cards are calculated at 3% of the balance; all other credit is annualised from the monthly repayment. If you're self-employed, lenders typically use your net profit figure from your HMRC Tax Calculation and Overview documents, not your gross income. This is a generic estimate only — a qualified adviser can assess your individual circumstances.
These calculators provide generic estimates only and do not constitute financial advice. Speak to a Mortgage321 adviser for a personalised assessment.
Want numbers tailored to you?
Chat with Molly for an instant, personalised estimate — or book a free consultation with a qualified adviser who'll crunch the real figures.