Affordability calculator
What could you afford?
Adjust the figures to see an indicative borrowing range, your loan-to-value and what your monthly repayments might look like.
A demonstration tool. Results are illustrations only, not advice or a mortgage offer.
Over the term
How your mortgage reduces
Hover or tap the chart to see the balance remaining, and how much capital and interest you would have paid by each year.
- Capital 0%
- Interest 0%
| Rate | Monthly | Comparison |
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View the year-by-year table
| Year | Balance | Capital paid | Interest paid |
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About these figures
- Borrowing is illustrated at 4× to 4.5× income after deducting annual commitments, with other income counted at 50%. Real lenders use detailed affordability assessments, credit checks and their own criteria.
- Repayments assume the interest rate stays the same for the whole term. In practice, rates change when introductory deals end.
- Figures exclude lender fees, broker fees, legal costs, surveys and Land Transaction Tax, which may apply to purchases in Wales.
- Nothing you enter is stored or sent anywhere; the calculator runs in your browser.
- Your home may be repossessed if you do not keep up repayments on your mortgage.
Numbers are only half the story.
A calculator can’t see the whole picture. Leon can talk you through what lenders would really look at, and what you could do to improve your options.