Interactive Tool
Mortgage Borrowing Calculator
Estimate your borrowing capacity and monthly repayments in seconds.
Your Details
Applicant 1 Gross Annual Income£45,000
Applicant 2 Gross Annual Income (Optional)£30,000
Saved Deposit Amount£35,000
Estimated Results
Max Borrowing Capacity
£337,500
Based on ~4.5x gross joint incomeMax Target Property Value
£372,500
Borrowing capacity + £35,000 depositEstimated Monthly Repayment
£1,819 / month
Capital & Interest repayment based on 4.2% over 25 years.
*This calculator provides illustrative estimates only and does not constitute a formal mortgage offer or Agreement in Principle (AIP). Actual lending limits depend on credit assessment, outgoings, age, and individual lender criteria. Your home may be repossessed if you do not keep up repayments on your mortgage.