Find out how much you could borrow based on your income and outgoings.
Enter your gross annual income
Use base salary plus reliable bonus, commission or overtime. Lenders typically apply a 50-60% haircut to variable pay over 1-2 years.
Add a co-applicant if applying jointly
Lenders combine both incomes (usually at 4-4.5x). Both applicants are jointly and severally liable for the debt.
List committed monthly outgoings
Include credit cards, loans, car finance, childcare, child maintenance and student loan deductions — all reduce your borrowing capacity.
Enter your deposit
A 10-15% deposit unlocks better LTV bands and rates. Below 10%, lender choice and rates tighten quickly.
Review the estimated maximum loan
Compare the multiple-based figure with the stress-tested affordability figure. Use the lower one for safety.
Get a Mortgage in Principle
Speak to a broker or lender for a soft-search MIP, valid 60-90 days, which estate agents often request before accepting an offer.
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Disclaimer: All results are estimates for guidance only and do not constitute financial, tax or legal advice. Always consult a qualified professional.