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Mortgage Affordability Calculator

Find out roughly how much you could borrow and what your monthly repayments might look like. This is a guide only — lenders each have their own criteria and affordability checks.

Important: This calculator gives an estimate. A mortgage in principle from a lender or broker will give you an accurate figure based on your full financial picture.

Your Mortgage Estimate

Based on a standard 4.5x income multiple. Most lenders use between 4x and 5x. Your actual offer depends on credit score, outgoings, and lender criteria. Always consult a whole-of-market mortgage broker for the best deal.

Next Steps

Get a mortgage in principle first. This is a soft credit check that tells you exactly what you can borrow before you start house hunting. Free from most brokers and lenders. Try MoneyHelper's mortgage calculator for a more detailed estimate.

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