Property

Mortgage Affordability Calculator

Income multiple borrowing estimate with stress-test reminder.

Use the interactive calculator below for an instant estimate. Results depend on your inputs and the assumptions shown on the page.

Methodology and source status

Scope: Property, mortgage, landlord, and home-moving estimates; tax rules vary across UK nations.

Primary reference: GOV.UK property, Council Tax and home-buying guidance.

Source record: Direct government or provider source. This link is the calculator-specific evidence path, not a statement that every individual input or exception is current.

Effective period: Local authority charges, lender criteria, lease terms, property condition and UK nation can materially change an estimate. Check the relevant official or provider source.

Review status: Source path published; no named calculator-level review is currently represented here.

Last source or expert review: No calculator-level source or expert review date is published.

Technical validation: 12 August 2026 — catalogue build, route, metadata, and internal-link checks completed. This is a technical delivery check, not a review of current rates, rules, sources, calculations, or personal circumstances.

Next review trigger: Review when a relevant rate, threshold, provider fee, tax period, rule, or formula changes.