Lenders start from a multiple of your income. Enter yours and your deposit to see the mortgage, the property price you could afford, and the monthly payment.
Maximum mortgage ≈ your income (plus a partner's) × the lending multiple. The property price you can afford is that mortgage plus your deposit.
Most UK lenders cap borrowing at around 4 to 4.5 times income, with some going to 5 or 5.5 times for higher earners, certain professions or bigger deposits. Your deposit as a share of the price is the loan-to-value (LTV): a lower LTV unlocks cheaper rates, with the best deals usually at 60%, then steps at 75%, 85%, 90% and 95%. The monthly figure is a standard repayment on the maximum mortgage at the rate and term you set.
Illustrative only. Income multiples are a starting point, not an offer; lenders assess affordability individually against your outgoings, debts, credit history and a higher-rate stress test.
Illustrative only, not financial or mortgage advice. Based on an income multiple you choose; it does not include your outgoings, other debts, credit history or a lender's stress test, all of which affect what you can actually borrow. The monthly figure assumes a repayment mortgage at a constant rate. Always check with a lender or a mortgage adviser.
See the full mortgage repayment calculator or the stamp duty you'd pay.