Mortgages
Buying budget calculator
Estimate your purchase budget before you book viewings. This is a planning guide only and not mortgage advice.
Prepare before you bid
Use income, deposit, commitments, term, and rate to sketch a sensible borrowing range.
Income reference
A common affordability guide is around 3.5x to 4.5x household income before lender checks.
Deposit context
A larger deposit generally lowers loan-to-value and can improve product choice.
Next step
When ready, request an Approval in Principle from a regulated mortgage adviser or lender.