Affordability budget
Works out a practical monthly payment envelope from take-home and commitments.
Personal finance + tax context
Mortgage affordability calculator
Get a practical estimate of possible borrowing, monthly payment and property value range, plus a stress-test check.
Indicative affordability onlyBuilt for SME and personal finance clientsLinks directly to your Stamp Duty estimate
Mortgage inputs
£
Used as the main income base for affordability checks.
£
Rental income, partner income, pensions, board fees, etc.
£
Credit card, car loan, student loan repayments and similar.
£
Indicative affordability
£122,943
Maximum borrowable amount at 5.40%
Max monthly payment
£747.65
Net monthly after commitments
£2,693.30
Property budget
£142,943
Stress test at +2%
£102,069
Property value under stress: £122,069
Buffer to withstand rise
£20,874.20
Indicates how much loan capacity reduces if rates rise by 2%.
Next: estimate your Stamp Duty
Your property budget does not include SDLT or other buying costs. Check the likely tax before deciding how much deposit you can commit.
- Choose first-time buyer, home mover or additional property.
- See the tax calculated across each SDLT band.
- Include common additional-property and non-resident surcharges.
Indicative deposit guidance
Strong: 20%+ gives better approval rates and fewer mortgage conditions
What this helps you do
Borrowing and property cap
Shows an indicative max loan and corresponding property value with your deposit.
Rate stress view
Reduces the loan result at a +2% interest buffer for safer planning.
Mortgage + purchase-cost checklist
A mortgage estimate is only part of the cash you may need before completing a property purchase.
- ✔ Add the deposit, Stamp Duty, legal fees and survey costs.
- ✔ Allow for lender, broker, valuation and moving fees where relevant.
- ✔ Keep an emergency buffer after completion rather than using every available pound.
Add Stamp Duty to your property budget
Take the property value from this calculator and see an instant SDLT estimate for a first home, home move or additional property.
Estimate your Stamp DutyMortgage calculator FAQs
Is this a lender-qualified approval check?
No. This is an indicative calculator to help you estimate rough affordability and loan capacity before you speak to a broker or lender.
Does this include deposit and property taxes?
It includes a deposit input and estimates a property value based on the max loan. Use our linked Stamp Duty calculator for SDLT; legal fees, valuation costs and broker fees are not included.
Can rental income or self-employed income be used in this estimate?
Yes — use the additional monthly income field for a practical planning input. Exact lender treatment varies and can be audited against your tax position.
Why is there a stress-test result?
Borrowing capacity is usually tested at a higher rate to ensure affordability if rates rise, especially for long-term repayment stability.
Prefer no-code setup? Use this tool before lender appointment and then complete filings with a specialist.
Contact the accounts team