A quick and easy way to calculate how much mortgage you could afford to repay each month. The figures provided by this calculator are for illustrative purposes only. It does not include all of the details you may need to consider when calculating mortgage affordability.

Complete the information required and click the ‘Calculate’ button.


Net monthly salary – (omit commas): £

Partner’s net monthly salary – (omit commas): £

Other monthly Income – (omit commas): £

Total Income: £

Expenses (monthly)

Credit Cards:



Electricity :


Council Tax:



Car/Travel Expenses:

Life Assurance:

Regular Savings/Pensions:

Loan Repayments:

Other Standing orders/Direct debits:


Household Maintenance:

Other Expenses:

Total Monthly Expenses:

Spare income each month:

Results are for your general information and use only and are not intended to address your particular requirements. Results should not be relied upon in their entirety and shall not be deemed to be, or constitute, advice. Although endeavours have been made to provide accurate results and timely information, there can be no guarantee that such information is accurate as of the date it is received or that it will continue to be accurate in the future. No individual or company should act upon such information without receiving appropriate professional advice after a thorough examination of their particular situation. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of using this calculator. Thresholds, percentage rates and tax legislation may change in subsequent finance acts. Homeowner Loans: The actual rate available will depend upon your circumstances. If you are seeking a mortgage loan, then you must make a formal application to an appropriate mortgage lender, who will consider your application in accordance with their lending criteria. Mortgage loans are normally subject to a formal valuation of the property and proof of your earnings.