Your income
Lenders start with your monthly income. Higher household income usually means more borrowing power, especially where more than one person is on the mortgage.
Know your budget in minutes. Discover what you could borrow, estimate monthly repayments, and see homes that fit — with no fees and no credit check.
As a guide, many buyers can borrow around 4 to 4.5 times their total household income — though lenders always look at more than salary alone.
Lenders start with your monthly income. Higher household income usually means more borrowing power, especially where more than one person is on the mortgage.
Debts, living costs and other commitments reduce what you can comfortably repay. Lenders stress-test repayments at higher rates than you’ll actually pay at first.
A larger deposit increases your buying budget, can unlock better rates, and lowers the loan-to-value lenders need to accept.
When offering a mortgage, lenders check whether you can borrow — and repay — comfortably over the term.
This calculator gives a starting window of what you could borrow. A full Mortgage in Principle with a lender looks more closely at outgoings and credit before confirming an amount.
We use the details you enter to build an illustrative borrowing range and buying budget.
Add monthly income, outgoings, deposit, an assumed rate and mortgage term.
We estimate borrowing using income multiples and what you could repay from your monthly surplus.
Use your buying budget to jump straight into for-sale listings that fit.
Quick answers to questions buyers ask most.
A common rule of thumb is 4 to 4.5 times household income. Your deposit, outgoings, credit profile and the lender’s criteria can move that figure up or down.
No. Our tool is free and does not run a credit check. It’s a guide to help you search with a realistic budget before you speak to a lender.
Lenders need to be confident you could still repay if rates rose. Stress testing checks repayments at a higher rate than the product rate you start on.
Browse homes within your budget, get an Agreement in Principle from a lender or adviser, and keep stamp duty and buying costs in mind as well as the asking price.
Once you’ve got a buying budget, search the latest for-sale listings across London and the South East.
View homes for saleBuying costs don’t stop at the mortgage. Open a listing to work out stamp duty and monthly repayments for that home.
Browse listingsQuestions about budgeting or finding the right agent? Our team can point you in the right direction.
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