Mortgage Affordability Calculator

This is intended to help you and is a guide only as lenders criteria may vary.

Affordability is a key factor to being able to qualify for a mortgage. It takes into consideration your ability to keep up repayments now and in the future. The Financial Services Authority (FSA) has looked very closely at how lenders calculate a borrower's income to debt ratio. A lender must also consider future income before offering a new mortgage.