How Much Can I Borrow?
Get an estimate of how much you could borrow based on your income, expenses, and deposit.
Estimated maximum borrowing
£225,000
Property value
£255,000
Monthly payment
£1,251
Loan to value
88%
Borrowing breakdown
How is this calculated? Lenders typically use income multiples (up to 4.5x) and affordability stress tests at higher interest rates. Your monthly commitments reduce the amount you can borrow.
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Important: This calculator provides a general estimate only. Actual borrowing capacity depends on your individual circumstances, credit history, lender criteria, and current market conditions. Different lenders apply different affordability models. Speak to one of our mortgage brokers for an accurate assessment of your borrowing potential.