Stop viewing houses youcan't actually afford
Bank calculators love giving you that magical 4.5x income figure. What they forget? Your car finance. Your credit cards. Your childcare. Your actual life.
Get realistic borrowing figures that factor in your real financial situation - before you fall in love with the wrong house.
The problem with every mortgage calculator online
They all do the same thing: take your income, multiply by 4.5, and tell you that's what you can borrow.
But they ignore everything else:
The result? You waste weekends viewing £400k houses when you can actually afford £320k. Estate agents get frustrated. You get disappointed. Everyone's time gets wasted.
Finally - calculators that factor in reality
Our assessments use the same criteria mortgage advisers use. You'll see exactly what affects your borrowing power and get realistic figures before you start house hunting.
Choose your assessment type
Enhanced Assessment
Get realistic figures that account for your actual financial situation - whether simple or complex.
What you'll get:
- • Accurate borrowing power
- • Traffic light scoring
- • What's affecting your results
Quick Sense Check
Traditional income multiple calculation (same as bank websites) for a 60-second estimate.
What you'll get:
- • Basic range
- • Product examples
- • Upgrade to realistic figures
How we're different
We're honest about what affects your borrowing
Bank calculators pretend your other commitments don't exist. We factor them in from the start.
Created by mortgage professionals
Built using the same assessment criteria that regulated mortgage advisers use with their clients.
No nasty surprises later
Get realistic expectations now, rather than disappointment when you speak to a lender.
Ready to find out what you can actually borrow?
Whether your situation is straightforward or complex, our enhanced assessment gives you the realistic figures you need to start house hunting with confidence.
Get Your Realistic AssessmentIf you proceed, we may introduce you to regulated mortgage advisers. We may receive a fee if you proceed via this introduction.