Affordability Calculator
Calculate how much you can borrow with our simple mortgage calculator.
How to Use Our Mortgage Affordability Calculator
Enter your deposit amount and annual income, and we'll give you an estimate of how much you might be able to borrow for your dream home.
An affordability calculator is especially helpful for:
First-time buyers: Looking to buy a home but not sure where to start? Our calculator can give you a ballpark figure to help kick-start your property search. First-time buyers can also see how saving a bit more for a larger deposit could increase your buying power.
Home movers: Get an idea of your budget for your next big move. Don't forget to include any equity from your current home when entering your deposit.
How our calculator works
Our calculator uses lender affordability multiples and current market data to estimate how much you might be able to borrow based on your income and deposit. As this is a general estimate, results should only be used as an approximation of your total potential loan size.
How much you can actually borrow may vary depending on your personal and financial circumstances, the lender, and the mortgage product you choose. For a wider overview of your options and a personalised affordability check, please speak to a mortgage expert.