Mortgage affordability calculator

Explore an indicative mortgage borrowing range

Add applicant income, financial commitments and household information to explore a broad borrowing range before speaking to a regulated mortgage adviser.

Your details

Results update automatically once Applicant 1 income contains a valid figure.

Applicant income

Only include income a lender may be prepared to consider. Treatment varies between lenders.

Credit commitments

The calculator assumes 3% of the balance per month, subject to a minimum of £25.

Household commitments

Want a more detailed affordability assessment?

Send a few details and we can help organise the information before introducing you to an FCA-regulated mortgage adviser where appropriate.

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As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

Important information about your borrowing estimate

Please read the information below before relying on the indicative borrowing range produced by this mortgage affordability calculator.

This is an illustration, not a lending decision

The result does not confirm how much you can borrow and is not a mortgage offer or an agreement in principle. A lender or regulated mortgage adviser will need to assess your full circumstances.

What lenders may consider

  • Your income, its source and how consistently it is received.
  • Loans, credit cards, maintenance and other financial commitments.
  • Household expenditure, dependants and anticipated future costs.
  • Your credit history and recent management of financial commitments.
  • Your deposit, the property and the requested mortgage term.
  • Lender affordability policies and stress-test calculations.

Limitations of the estimate

Different lenders assess affordability in different ways. The amount available may therefore be higher or lower than the range shown.

The calculation relies entirely on the information entered and does not independently verify income, expenditure, debts, credit history or eligibility.

Interest rates, fees, product criteria and lender policies may change. The result should not be used to compare individual mortgage products.

Personalised assessment

Mortgage Bridge provides information and acts as a mortgage introducer. Where appropriate, we can introduce you to an FCA-regulated mortgage adviser who can assess your circumstances and provide regulated advice.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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.