AI Mortgage Affordability

UK lender income-multiple model with deposit and current rate assumptions.

Annual gross income

Household total before tax.

Deposit (£)

Monthly debt payments (loans, cards)

Excluding rent or current mortgage.

Income multiple

Most high-street lenders cap at 4.5×.

Interest rate (%)

Current 5-year fix is ~4.5–5.5% (UK), ~6.5–7% (US 30-yr).

Term (years)

Enter your details and click Calculate to see your max budget.