Most UK lenders offer between 4 and 4.5 times your gross annual income. Some specialists stretch to 5.5x for professionals with larger deposits and strong credit. This calculator estimates borrowing capacity before you apply for a mortgage in principle.
What lenders include
Lenders deduct committed expenditure (loans, credit cards, childcare) from affordability. They also stress-test at a higher rate than your product rate to ensure you could cope if rates rise.
Next steps
Use the result as a starting point, then obtain a Decision in Principle from a lender or broker before making offers on property.