Mortgage Affordability Calculator
Estimate how much you could borrow from your income, deposit and commitments, with indicative income multiples and the likely lender tier. An estimate, not a quote.
Estimate how much you could borrow
Your PAYE profile suits most high-street lenders. A broker comparison confirms the highest income multiple available and the best rate for your LTV.
An estimate only. Actual borrowing depends on the lender's affordability assessment, credit profile, rate and fees.
How affordability works
Most lenders size your maximum loan as a multiple of income, typically between 4.5 and 5.5 times your earnings. This calculator works on your income net of commitments: regular monthly outgoings such as loans and credit reduce the income a lender will lend against, which is why clearing commitments before you apply can lift your borrowing.
Self-employed, contractor and company director cases need specialist lenders, because each assesses income differently - net profit, salary plus dividends, or an annualised day rate. The right lender for your structure can produce materially more borrowing than a standard high-street assessment, so matching the lender to your income type matters as much as the headline rate.
Get a personalised quote
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR PROPERTY. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY. This information is for general guidance only and does not constitute financial advice or a mortgage offer. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Doulton Bridging Finance is a trading style of Doulton Money Ltd. We work with FCA-authorised partners to source mortgage finance from a panel of specialist lenders.