How much can you actually borrow?
A realistic borrowing range using the rules lenders really apply: income multiples, your commitments, and the stress test. Nothing is sent anywhere and no credit check happens; it's maths, in your browser.
Your likely borrowing range
£128,000 – £163,000
Most lenders cap around 4.5× income (£145,500 for you); some stretch to 5× or beyond for strong cases. With your deposit, that puts your realistic house budget around £175,500 (83% loan-to-value).
Monthly repayment
£809
on £145,500 at 4.5% over 25 years
Lender stress test at 7.5%: £1,075 per month. If that number frightens you, the loan is too big.
A note from your companion
The number a lender will give you and the number that lets you sleep are different numbers. Budget on the stress-test payment, not the headline one, and remember the purchase itself costs money on top: run the full moving budget before you fall for anything.
Common questions
How many times my salary can I borrow for a mortgage?
Most UK lenders lend up to about 4.5 times your annual income, with some stretching to 5 times or more for strong applications (large deposits, high incomes, clean credit). Monthly commitments like loans, cards and childcare reduce the figure, because lenders test what you can actually afford each month.
What is a mortgage stress test?
Lenders check you could still pay the mortgage if rates rose, typically testing your repayments around 3 percentage points above the rate you'd actually pay. It's also a genuinely useful personal test: if the stressed monthly payment scares you, the loan is bigger than your life wants.
Does this calculator affect my credit score?
No. It runs entirely in your browser using typical lender rules; nothing is sent anywhere, no credit check happens, and we don't ask who you are. When you're ready for a real figure, a decision in principle from a lender or broker uses a soft check that doesn't harm your score either.
Illustrative figures using typical 2026 lender criteria; every lender's calculation differs and rates change. Not financial advice; a mortgage broker or lender will give you a personalised figure.