UK Mortgage & Affordability
Calculator
Find out how much you can borrow, what your monthly payments would be, or how long it takes to save a deposit.
Take-home: £2,277/month (with 5% pension, no student loan)
Mortgage & Property Calculator
See what you can afford or plan your savings for a home
Buying with a partner?
Combined income increases borrowing power
Based on your £35,000 salary, you could buy up to
£175,000
with a 10% deposit of £17,500
Max Borrowing
£157,500
4.5x salary
Monthly Payment
£875/mo
38% of take-home
At 38% of your take-home, this exceeds the recommended 35% threshold. Consider a smaller property, larger deposit, or longer term to reduce payments.
How Much Can I Borrow for a Mortgage in the UK?
Most UK lenders offer between 4 and 4.5 times your annual salary. With a £35,000 salary, you could typically borrow £157,500. Adding a larger deposit increases the property value you can afford. First-time buyers may qualify for Help to Buy or shared ownership schemes.
What Percentage of Income Should Go to a Mortgage?
Financial experts recommend spending no more than 28-35% of your take-home pay on housing costs. This includes your mortgage payment, council tax, and home insurance. Our calculator highlights when your payments exceed this threshold.