This works the way a bank does: your take-home pay, minus your living costs and any debt, is the income you can commit to a mortgage. Everything updates as you type. Rate defaults last checked October 2026 against published bank rates — always editable.
This works the way a bank does: your take-home pay, minus your living costs and any debt, is the income you can commit to a mortgage. Enter your real numbers where you can — the more real, the closer to reality. Leave a field blank and we'll estimate it (and say so).
Not financial advice. Estimates only, for general information. This tool uses the numbers you enter; where you leave an assumption blank we use a clearly-labelled generic figure, and real banks use their own detailed criteria, so offers vary. Always confirm with a licensed mortgage adviser or lender. Interest and test rates shown are illustrative defaults you can change.