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Updated for 2026 Tax Year
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Affordability Calculator

Estimate how much mortgage you could get based on your income, outgoings, and deposit. Supports employed and contractor income. Includes a lender stress test at +3%.

Adjust inputs, then save as a named scenario.
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Employment Type

£

Annual Salary

£0

Add non-salary income streams that lenders may include in affordability under conservative underwriting assumptions.

£

Included as qualifying income for max offer.

Qualifying Secondary Income

£0

Total Qualifying Income

£0

Lenders assess your committed monthly spending to determine how much you can afford. Enter your current or expected costs.

£

£

£

£

£

£

Gas, electric, water, broadband

£

Commuting, fuel, public transport

£

Life, health, home, car

£

Total Monthly Outgoings

£0

£

%
yr
Most lenders use 4.5×

💡 To see your lender-safe limit, enter a rate 3% higher than your expected deal (e.g., 7.5% instead of 4.5%).

YOUR ESTIMATED MAX OFFER

£0

Max Mortgage (0× income)

£0

Total Qualifying Income

£0

Rental Income Used (80%)

£0

Dividends Used

£0

Lodger Income Used (50%)

£0

Estimated Monthly Payment

£0

Loan-to-Value

0.00%

Supporting Details: Income Breakdown
Reference

Guidance & FAQ

  • Affordability combines income multiples with outgoings and stress-rate assumptions.
  • Maximum borrowing is translated into estimated property value capacity.
  • Outputs emphasize repayment sustainability under conservative rate scenarios.

Last Updated: 16 Apr 2026

Need a full audit of these calculations? Download the Professional PDF Report

Links & Resources
GOV.UK: Property taxes and buying guidanceGOV.UK: SDLT and property tax guidance

Important disclaimer

Content on this site is for educational and planning purposes only and does not constitute regulated financial advice. Always assess your own circumstances and seek guidance from a qualified adviser where appropriate. See the full disclaimer.