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🏦 Mortgage Affordability

How much could you borrow? — UK residential & BTL

Your Finances

£164,000
Estimated Maximum Borrowing
Plus your £30,000 deposit: £194,000 total budget

Affordability Breakdown

Income Multiple Used4.5x
Max Loan (income based)£247,500
Max Loan (affordability based)£164,000
Est. Monthly Payment£943
Payment-to-Income Ratio20.6%
Borrowing Capacity Used66%

📌 Illustrative only. Actual offers depend on lender criteria, credit score, and property valuation.