United Kingdom
UK affordability calculator
What UK lenders may offer — based on income multiples (4.0x–5.5x) and the FCA stress test — shown as a realistic range, not a single number.
Your finances
What you might borrow
UK lenders mainly use income multiples, then stress-test affordability — so this is a realistic range, not a single quote.
Estimated property price range (loan + deposit)
£220,000 – £287,500
Likely maximum loan, by income multiple
- Conservative (4.0×)
- £180,000
- Typical (4.5×)
- £202,500
- Enhanced (5.5×)
- £247,500
Based on a total income of £45,000.
Lenders must also check you could afford repayments if rates rose — typically tested at your rate plus at least 1 percentage point (here: ~5.92%) for a minimum of 5 years, per FCA rule MCOB 11.6.18R. The exact stress methodology varies by lender — this is the regulatory floor, not a single number every lender uses identically. If your fixed deal itself runs 5+ years, this specific stress test doesn't apply to that contract.
Enhanced multiples (5.5x+) are typically only available above roughly £75,000 income — the figure shown is illustrative of what's possible at higher incomes, not a guarantee at your income level.
An estimate to help you plan — not financial advice, a mortgage offer, or a guarantee of what any lender will lend. Figures vary by lender and your full circumstances.
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