How does this mortgage affordability calculator work?

Our calculator estimates how much you could borrow for a mortgage based on your income. It uses typical lender income multiples (such as 4 to 4.5×) to provide a potential borrowing range.

What income details do I need to provide?

You should enter your annual salary and any guaranteed income such as bonuses or overtime. If you're buying with a partner, include their income too for a more accurate estimate.

Will lenders offer exactly this amount?

No. This tool gives a rough guide. Lenders consider many other factors — including expenses, debts, and credit score — before deciding how much to lend.

Does this tool include monthly repayments?

Yes. The calculator also estimates your monthly payment based on a sample interest rate and term, helping you judge affordability in real terms.

OPTIMLY Calculators | Mortgage How Much Can I Borrow Calculator

Your income

ANNUAL BASE SALARY (PRE-TAX):

GUARENTEED BONUS OR OVERTIME:

Your partner's income

ANNUAL BASE SALARY (PRE-TAX):

GUARENTEED BONUS OR OVERTIME: