Mortgage Affordability
How much a UK lender would actually let you borrow — with the same stress test they use.
How this is worked out
Most UK lenders cap borrowing at 4 to 4.5× gross income. A few stretch to 5–5.5× for higher earners or specific products. You can move the multiple to see what each band looks like.
Monthly debt repayments are subtracted from your borrowing power — every £100/month of debt reduces your max loan by roughly £3,000 in our model (a common lender heuristic).
Mortgage payments use the standard repayment formula: P × r × (1+r)n ÷ ((1+r)n − 1), with r = monthly rate and n = months.
The stress test mirrors FCA rules — lenders confirm you could still pay if rates rose. Many use 7–9% today. If your stressed monthly cost (mortgage + existing debts) exceeds ~40% of your net income, expect declines.
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