Mortgage Affordability Calculator

ESN Financial Services — Get a detailed estimate of your borrowing power

This calculator provides an estimate only and does not constitute a mortgage offer. Results are based on typical lender criteria. Your home may be repossessed if you do not keep up repayments on a mortgage.
Step 1
Income
Step 2
Commitments
Step 3
Dependants
Step 4
Mortgage
Step 5
Results
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Your Income

Tell us about your household earnings

Are you applying with a partner or second applicant?
Applicant 1
£
Your guaranteed base salary before tax
£
Lenders typically use 50–60% of this
£
Regular overtime, shift allowances etc.
ℹ️ Many lenders accept benefits as income. Child Benefit, DLA/PIP and maintenance payments are widely accepted. Universal Credit and other means-tested benefits vary by lender.
£
£1,331/yr first child, £881/yr each additional (2025/26)
£
Most lenders accept 100% of DLA/PIP
£
Accepted by select lenders only
£
Court order or CSA arrangement required
£
Lenders typically use 75% of rental income
£
Carer's allowance, working tax credit etc.
ℹ️ Self-employed or Ltd company directors: Most lenders will use an average of your last 2 years' net profit or salary + dividends. Some will accept 1 year's accounts. Your income used in calculations may differ from your quoted salary above.
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Monthly Commitments

Existing debts and outgoings that lenders will factor in

💡 Lenders deduct monthly committed expenditure from your disposable income before calculating affordability. Be thorough — underdeclaring commitments can lead to declined applications.
Credit Commitments
Personal Loans
Total monthly repayments on all personal loans
£
Credit Cards / Store Cards — Outstanding Balance
Enter the total outstanding balance across all cards. Most lenders apply 3% of this figure as a monthly commitment.
£
Car Finance / PCP / HP
Monthly car finance or hire purchase payments
£
Student Loan Plan 1/2/4/PG
Your monthly student loan deduction (shown on payslip). It's the repayment amount that counts, not the balance.
£
Other Loans / Overdrafts
Payday loans, buy now pay later, mail order accounts, overdrafts
£
Existing Mortgage / Rent
Only if this property is being retained (not sold)
£
Household Outgoings
£
Nursery, after-school clubs, childminders
£
£
£
Leasehold properties only
⚠️ Credit card tip: Most lenders take your total outstanding balance and apply 3% as a monthly commitment — regardless of what you actually pay. For example, a £10,000 balance = £300/month factored in. Paying down balances before applying can significantly increase your borrowing power.
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Dependants

Children and other financial dependants in your household

ℹ️ Lenders apply a notional cost per dependant to your affordability assessment — typically £100–£300 per child per month as an assumed household cost, on top of any childcare costs already declared. This can reduce your maximum borrowing by £3,000–£5,000 per child.
Children
0
Highest cost — nursery age
0
Primary school age
0
Secondary school age
Other Dependants
0
Adults financially dependent on you (e.g. elderly relatives)
Most lenders use your return-to-work salary
Lender Dependant Modelling
Different lenders apply different per-child costs
💡 Child Benefit: Most lenders accept Child Benefit as income, which can partially offset the dependant cost reduction. This is automatically factored into our calculation at £25.60/week for first child, £16.95/week for subsequent children (2025/26 rates).
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Mortgage Details

Your deposit, term and repayment preferences

Property & Deposit
£
£
A larger deposit = better rates & lower LTV
Mortgage Preferences
yrs
Most lenders up to 40 years. Term affects how much you pay monthly.
%
5yr+ fixed can improve affordability with some lenders
Credit Profile
Unlocks higher income multiples with select lenders
YOUR RESULTS ARE READY

One step away from your results

Enter your details to unlock your full affordability breakdown, lender comparison and stress test — free, no obligation.

  • ✦ Maximum borrowing across 8 lenders
  • ✦ Monthly repayment & stress test
  • ✦ Capital vs interest breakdown
  • ✦ What if rates rise?

🔒 We only store your email. No spam, ever.

🔒 We only store your email. No spam, ever.

Estimated Maximum Borrowing
£0
Based on your income, commitments and typical lender criteria
Conservative
£0
Standard
£0
Best Case
£0
Monthly Repayment
£0
Based on your preferred rate & term
Deposit Size (LTV)
0%
How much of the property you're borrowing
Money Left Each Month
£0/mo
After mortgage & all committed outgoings
Borrowing vs Income
0x
How many times your salary lenders will lend
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How We Calculated Your Figure

How we arrived at your figure

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What If Rates Rise?

See how your monthly payments change if interest rates go up

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Stamp Duty (SDLT)

Estimated stamp duty on your target property

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Capital vs Interest Breakdown

How much of the total repaid goes to the bank vs reducing your debt

£0
Total
Repaid
Amount Borrowed
£0
Your actual loan amount
Total Interest Paid
£0
—
Total Cost Per £1 Borrowed
£0
Total interest cost ratio
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Overpayment Calculator

See how much time and money you could save by paying more each month

Interest Saved
£0
Years Saved
0 yrs
New Term
—
New Monthly Total
£0
Mortgage Free By
—
Total Repaid
£0
Outstanding Balance Over Time
Without overpayment With overpayment
💡 Most lenders allow overpayments of up to 10% of your outstanding balance per year without early repayment charges. Always check your mortgage terms before overpaying.
ESN Financial Services — This calculator is for illustrative purposes only and does not constitute financial advice or a mortgage offer. Results are estimates based on typical UK lender criteria and may not reflect every lender's assessment. Your actual borrowing capacity will depend on a full affordability assessment including credit checks, employment verification, and individual lender criteria. Mortgage lending is subject to status. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. ESN Financial Services is directly authorised and regulated by the Financial Conduct Authority.