How much can I borrow?

A quick estimate using 4.5× income (single) or 4.0× (joint), a Bank of England base rate +3% stress test, and a 45% debt-to-income check.

Your income

Gross income£

Net monthly income£Deposit£

BoE base rate%

Max mortgage (4.5× income)

£157,500

Max property price£188k

Stressed payment£1,190

Stress test

At a stressed rate of 7.75% (BoE + 3%), the payment is £1,190/mo — above 45% of your net income (£1,035).

Estimate only — lenders assess affordability individually. Not financial advice.