Affordability Calculator
A rough starting point for how much you might be able to borrow — your real figure depends on a full assessment of your circumstances.
Tell us about your situation
Maximum borrowing
£240,000 – £285,000
An illustrative range based on a simple income-multiple model — most lenders would sit somewhere within it, though your real figure depends on a full assessment of your circumstances.
Property price you could afford
£270,000 – £315,000
Based on your £30,000 deposit plus your estimated borrowing range.
Estimated monthly payment
£1,487
Based on a £285,000 loan over 30 years, at an illustrative 4.75% rate — not the property price, just the amount you'd actually borrow.
Ready to turn this into a real plan?
Book a 20-minute call and we'll confirm exactly what you can borrow.
This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender. You should make an appointment to receive mortgage advice based on your needs and circumstances.
This calculator combines a simple income-multiple model (4x–4.75x income, adjusted for monthly commitments and dependants) with an affordability stress test — an illustrative check that your monthly payment, at a higher notional interest rate, stays within a share of your disposable income over your selected term. Real lenders use their own criteria and rates, which is why the mortgage term can affect how much they'd lend, not just your monthly payment. For illustration only — we'll give you an accurate figure on a call.
Ready for take-off? Let's find your mortgage.
Book a no-obligation 20-minute call and we'll talk through your options — whether you're crew, ground staff, or just looking for a great rate.