How much can you borrow?
Enter your household income and deposit for a rough estimate of your borrowing range, monthly repayment, and England stamp duty. This is a ballpark, not a mortgage offer — a lender's own affordability check, based on your full financial picture, is what actually decides what you can borrow.
Estimated monthly repayment:
Estimated monthly repayment:
Standard residential rates, not accounting for first-time-buyer relief or the additional-property surcharge. Rates change — checkgov.uk/stamp-duty-land-taxfor the current figures before relying on this.
Assumes an example 5.5% mortgage interest rate over a 25-year term, repayment (not interest-only) — your own rate depends on your lender, deposit size, and credit history. Income multiples of 4-4.5x are typical starting points UK lenders use, not a guarantee of what any specific lender will offer you.