How much can I borrow for a mortgage in the UK?

Most UK lenders offer between 4–4.5x your annual income. Some lenders offer up to 5–5.5x for high earners. For joint applications, they use combined income.

What deposit do I need for a mortgage?

Most lenders require a minimum 5–10% deposit. A larger deposit (20%+) typically gets you better interest rates and lower monthly payments.

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Mortgage Affordability Calculator

Estimate how much you can borrow based on your income. See monthly repayments for different loan amounts and interest rates.

Mortgage Affordability CalculatorFree · No signup

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Stamp Duty Calculator

Calculate exactly how much stamp duty you will pay on any UK property purchase. Updated for 2025/26, including first-time buyer and second home rates.

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Rent Affordability Calculator

Find out the maximum rent you can afford based on your income and expenses. Based on UK rental affordability guidelines.

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About This Calculator

Our Mortgage Affordability Calculator is designed specifically for UK businesses and individuals. All calculations use current 2025/26 rates and follow UK guidelines.

This tool is completely free to use with no signup required. You can use it as many times as you like. The results are instant and calculated in your browser — no data is sent to our servers.

Also known as

mortgage affordability calculatorhow much can I borrow mortgage UKmortgage calculator UKmortgage eligibility calculatorhow much mortgage on my salary

Frequently Asked Questions

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🏠Stamp Duty→🔑Rent Affordability→📊Rental Yield→

Last updated: 1 April 2026 · Rates for 2025/26 tax year