Free Calculator

Borrowing Power Calculator

See a realistic range of what lenders could offer, from cautious high street lenders to specialist lenders who go further

MORTGAGE ADVISERS UK

Mortgage borrowing power

See how your household income and deposit could translate into an estimated property budget.

Your household income

1 of 3 applicants

Applicant 1

Gross annual income

Combined annual income£50,000

Your deposit

Enter the total deposit available towards your property purchase.

Your estimated borrowing range

Different lenders may use different income multiples. Here is an illustrative comparison.

Cautious estimate

4.5× household income

£225,000

Standard estimate

5×–5.5× household income

£250,000–£275,000

Enhanced estimate

6× household income

£300,000

Maximum illustrative borrowing

£300,000

Estimated borrowing£300,000

Plus your deposit+ £20,000

Maximum illustrative property price

£320,000

Why does it vary by lender?

Lenders don't all calculate affordability in the same way. The income multiple is only one part of the assessment.

Monthly commitments: car finance, loans, credit cards and other regular outgoings can reduce affordability.
Income type: overtime, bonuses, commission and self-employed earnings may be assessed differently.
Credit history: existing credit commitments and past repayment issues can affect lender choice.
Loan and property details: deposit, loan-to-value, mortgage term, age and property type may all matter.
Lender criteria: income multiples and affordability assessments vary, and higher multiples aren't available to everyone.

A mortgage adviser can compare suitable lenders and assess your circumstances rather than relying on a general income multiple.

Your borrowing power is only the starting point.

Want to know which lenders may fit your circumstances? Let's look at your options.

Speak to Kie about your options →

Important information: This calculator provides illustrative estimates only, using 4.5×, 5×, 5.5× and 6× gross annual household income. These are examples, not guaranteed lender borrowing limits or a representative range of products available to you. Actual borrowing depends on lender criteria, affordability checks, credit history, income, commitments, deposit and other circumstances. The maximum property price assumes the full deposit can be added to the estimated borrowing and excludes purchase costs. Figures are not a mortgage offer or personalised mortgage advice.