What does the mortgage affordability calculator show?

The mortgage affordability calculator estimates how much you might be able to borrow based on your income, outgoings, deposit size and term. It provides a guide before you speak to a mortgage adviser.

What information do I need to use the affordability calculator?

You will need details of your household income, monthly financial commitments (loans, credit cards, existing mortgage etc.), deposit size, and the term you are interested in. The calculator uses this to estimate borrowing.

Does the calculator guarantee a mortgage offer?

No. It’s an indicative estimate only and doesn’t reflect full affordability checks, credit profile or lender policy. You will still need a full assessment from an adviser.

Will the calculator account for interest rate changes or secured debt?

No. This tool gives a simplified picture. It does not model future rate increases, lender criteria for stress rates, or complex secured/unsecured debt situations. For detailed affordability analysis, consult an adviser.

Is affordability the same for all lenders?

No. Each lender has its own rules for calculating affordability, including how commitments and income are assessed. Use this calculator as a starting point, then speak to a mortgage broker for specifics.

Mortgage Affordability Calculator

Estimate how much you may be able to borrow based on income and commitments.

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Disclaimer: This calculator provides an indicative estimate of what you may be able to borrow based on the information provided. It is for illustration purposes only and does not constitute financial advice or a mortgage offer. Actual affordability will depend on a detailed assessment of your circumstances, credit history, and lender criteria. For a personalised assessment, speak to a qualified mortgage adviser.

Important information: Mortgage Bridge provides information only and acts as a mortgage introducer. We do not provide mortgage advice or make lender recommendations. We can introduce you to an FCA-regulated mortgage adviser who can provide personalised mortgage advice.