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Finally - realistic mortgage figures

Get accurate borrowing power that accounts for your actual financial situation. Whether your finances are simple or complex, this shows you exactly what mortgage advisers see when they assess you.

Stop wasting time viewing houses you can't actually afford.

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Factors in all commitments
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Professional stress testing
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Traffic light scoring
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Works for everyone

Not just for complex situations

Think your finances are simple?

Even basic employed people have car finance, credit cards, or childcare costs that affect borrowing. This calculator factors them in properly.

Got complex income?

Handles overtime, bonuses, self-employment, contractors, and Buy to Let situations using real lender criteria.

The difference matters: £300 monthly commitments = £45,000 less borrowing power

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See what mortgage advisers see

Your full financial picture:

  • •All income sources (properly calculated)
  • •Every financial commitment
  • •Stress testing at real lender rates
  • •Deposit impact on rates and eligibility

Traffic light scoring:

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Green: Comfortable borrowing position

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Amber: Manageable but tight

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Red: Likely affordability issues

Professional assessment: This uses the same criteria regulated mortgage advisers use with their clients.

Accurate assessment for everyone

Employed (simple situations)

Proper commitment factoring, stress testing, and realistic LTV assessment

Variable income

Overtime, bonuses, shift work calculated using actual lender criteria

Self-employed & contractors

Net profit, dividend, or day rate assessments with specialist lender options

Government schemes

Help to Buy, Shared Ownership, Right to Buy calculations

Buy to Let

Rental income coverage and personal income requirements

Complex finances

Multiple income sources, existing properties, and unique situations

Ready to move forward?

  1. 1

    Understand your results

    Review your traffic light score and what's driving your borrowing capacity

  2. 2

    Speak to a regulated mortgage adviser

    Get personalized advice and access to the whole market based on your assessment

  3. 3

    Get your Decision in Principle

    Your adviser can arrange a DIP to strengthen your position when making offers

  4. 4

    Start house hunting with confidence

    You know exactly what you can afford - no nasty surprises

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Frequently asked questions

Why does this give different results to simple calculators?
This factors in your actual commitments and uses real lender stress testing. Simple calculators just multiply income by 4.5x.
Is this just for complex financial situations?
No - everyone benefits from accurate assessment. Even simple finances have commitments that affect borrowing.
How do you handle variable income?
Using actual lender criteria - overtime at 50-100% if regular, bonuses averaged over 2-3 years, commission based on track record.
What's the traffic light scoring?
Green = comfortable affordability, Amber = manageable but tight, Red = likely issues. Amber doesn't mean rejection - just needs the right lender.
Should I include credit cards I pay off monthly?
Yes - lenders see these on credit reports and factor in potential payments. Even unused credit affects affordability.

These figures are indicative and for information only. They do not constitute mortgage advice or a Decision in Principle. All lending is subject to status, affordability checks and lender criteria.

If you proceed, we may introduce you to regulated mortgage advisers. We may receive a fee if you proceed via this introduction.

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