Estimate your mortgage borrowing power using standard and higher income multiples.
Default rate: Moneyfacts, July 2026, best-buy 2-year fixed, assuming a 25-year term. Override with your own quote.
| Higher multiple estimate (5.5× income) | £0 |
|---|---|
| Est. monthly payment on standard amount | £0 |
| Est. monthly payment on higher amount | £0 |
Higher multiples are typically only available to higher earners or via specific lender schemes — always confirm with a broker or lender. Existing monthly debt commitments reduce what a lender will actually offer, even though the income-multiple figures above don't factor that in directly.
This tool applies the rough income-multiple rules lenders use as a starting point, then shows what the resulting loan would actually cost you each month. Its main limitation is that real affordability assessments are far more forensic than a simple multiple — lenders stress-test your income against existing debt, spending patterns, dependants and credit history, so the true figure a lender offers you could be higher or considerably lower than shown here.
This calculator is illustrative only and does not constitute financial advice. Always confirm figures with a lender, broker or HMRC before making a decision.
Property Pundit UK