Enter your data
£
£
%
years
×
Enter gross annual income, existing monthly commitments, the rate and term, and the income multiple. The result is indicative — lenders assess your full budget.
≈How much you can borrow
202,500£
Income multiple4.5× × income
Monthly at product rate1,219 £
Stressed payment (+1.5%)1,405 £
How much you can borrow202,500 £
UK lenders use an income multiple (typically 4.0–4.5× income, sometimes up to ~5.5–6×) plus an affordability check stress-tested against higher rates (MCOB 11.6). 4.5× is a portfolio flow guideline, not a hard per-borrower cap.
How much you can borrow ≈ 202,500 £ (Max monthly payment 1,219 £)