How Much Can I Borrow?

Indicative UK mortgage borrowing capacity: the lower of an income multiple cap and a stress-payment cap. Lenders will run their own underwriting.

Applicant 1 gross income

Applicant 2 gross income

Monthly credit commitments

Deposit / equity

Income multiple

Stress interest rate

Mortgage term

yrs

Indicative maximum loan

£144,140.53

Household income£45,000.00

Cap A — income × 4.5£202,500.00

Cap B — 35% of income at 8% stress£144,140.53

Max property price (loan + deposit)£174,140.53

Monthly payment at stress rate£1,112.50

Loan-to-value82.8%

Assumptions and limitations

Purely indicative. UK lenders run individual underwriting including full income evidence, expenditure and credit profile.
The stress cap uses 35% of gross monthly income as a proxy for the payment lenders expect you to afford at their stressed rate.
Above 4.5× income requires special criteria and is not available on standard products.