Repayment stress test
Monthly repayment at nearby interest-rate scenarios.
Monthly payment
Mortgage Affordability Calculator
Estimate borrowing range, purchase budget, and repayment stress tests from income, debts, deposit, and rate.
Estimated max loan£351,000
Purchase budget£411,000
Monthly repayment£1,84227.6% of gross monthly income
Affordability screen
Household income£80,000
Debt adjustmentSimple debt sensitivity deduction£9,000
Deposit£60,000
Loan to value at budget85.4%
Assumptions
Calculation notes
- This is a rough affordability screen, not a lender decision or mortgage offer.
- Does not include credit score, dependants, bonuses, self-employment rules, committed spending, fees, or lender-specific policy.
- Mortgage brokers and lenders may produce materially different results.
Borrowing screen
How affordability is estimated
This is a screening view of borrowing power and repayment pressure, with stress-rate checks kept visible.
Affordability inputs
The calculator estimates borrowing power from income, commitments, deposit, loan-to-income style assumptions and an affordability stress view.
It then shows how interest-rate changes may affect the repayment estimate so the user can compare affordability sensitivity.
Borrowing pathincome and commitments -> estimated maximum loan; loan, rate and term -> monthly repayment sensitivity
Stress-rate scenario
Example: testing a higher-rate scenario
- Household income: entered by user
- Deposit: entered by user
- Term and interest rate: selected by user
Result: The chart compares repayments at the selected rate and higher rates.
A property can look affordable at one rate and uncomfortable at a stress rate.
Reading borrowing headroom
- Real lender affordability models include more detail than this screening tool.
- Credit history, dependants, committed spending and lender policy can change the offer.
Content reviewed: 7 September 2026.
Guide
Mortgage Affordability Calculator notes
Create a simple affordability screen before speaking to a lender, with repayments at several interest-rate scenarios.
Review the calculation notes where rules, tax years, thresholds, or eligibility affect the result.
FAQs
Mortgage Affordability Calculator FAQs
What is the Mortgage Affordability Calculator for?
Create a simple affordability screen before speaking to a lender, with repayments at several interest-rate scenarios.