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UK House Affordability Calculator
UK-specific. Combined income × lender multiplier, plus your deposit, plus realistic stamp duty (with first-time-buyer relief if applicable), plus rough legal/survey costs. Honest numbers — including the bits estate agents tend to leave out. Tells you the maximum you can borrow, the monthly payment over your chosen term, and the real cash needed on day one.
What it does
- Joint income × adjustable lender multiplier (4.5× default)
- UK stamp duty calculation with first-time-buyer relief (2025 bands)
- Monthly capital + interest payment over your term
- Realistic upfront costs (deposit + stamp duty + legal/survey)
- Honest warnings: payment-to-income ratio, LTV, multiplier risk
Income
Cash + mortgage
What you can afford
Max house price
£227,500
11% deposit · 89% LTV
Mortgage amount
£202,500
4.5× combined income
Monthly payment
£1,087
Over 30 years at 5.00%
Upfront costs breakdown
| Deposit | £25,000 |
| Stamp duty (first-time buyer rate) | £0 |
| Legal + survey (estimate) | ~£2,000 |
| Total cash needed | £27,000 |
Rules of thumb baked into this tool: UK lender multipliers cap at 4.5× for most; rates use 2025 England/NI stamp duty bands. This is a planning estimate, not a mortgage offer. Real affordability checks also assess debts, dependants, monthly outgoings, and stress-test the rate. Talk to a broker before you put in an offer.
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