Quick mortgage sense check
Get a traditional income multiple calculation in 60 seconds. This uses the same basic formula as bank websites - but we're honest about what it doesn't include.
Perfect for: Quick estimate before getting realistic figures that factor in your actual commitments.
⚠️Reality check: This ignores your financial commitments. Even £200/month in car finance can reduce your borrowing by £30,000+
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But here's what this calculation missed:
- ✗Your car finance, credit cards, loans
- ✗Your childcare costs, maintenance payments
- ✗Stress testing at rates lenders actually use
- ✗Your actual deposit and LTV impact
Want to see what you can REALLY borrow?
Try Our Enhanced CalculatorWhy this might not be accurate for you
This calculator does exactly what bank websites do:
- 1Takes your income
- 2Multiplies by 4-4.5x
- 3Ignores everything else
What it doesn't consider:
Existing commitments
Car finance, credit cards, loans all reduce what you can borrow
Stress testing
Lenders test affordability at higher interest rates
Living costs
Childcare, maintenance, other essential expenses
Deposit impact
Different LTV bands affect rates and eligibility
The reality check
Even small monthly commitments make a big difference. £300/month in existing payments typically reduces borrowing power by £45,000.
Ready for realistic figures?
Enhanced Calculator - Get Accurate ResultsFrequently asked questions
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Should I trust this figure for house hunting?
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.