Mortgage - How much can I afford?

Before you proceed with a mortgage you should make sure that the monthly repayments are affordable. Use the calculator below to assess how much you can comfortably afford to repay each month.

Income:
Net monthly salary	£
Partner's net monthly salary	£
Other Income	£
Total Income	£

Expenses:
Credit Cards	£
Gas	£
Water	£
Electricity	£
Telephone	£
Council Tax	£
Food/Drink	£
Clothes	£
Car/Travel Expenses	£
Life Assurance	£
Regular Savings/Pensions	£
Loan Repayments	£
Other Standing orders/Direct debits	£
Entertainment/Holidays	£
Household Maintenance	£
Other Expenses	£



Total Monthly Expenses: £
Spare income each month: £

This calculator has been provided for your guidance only. Its use does not represent any offer of a mortgage advance.

If you are seeking a mortgage loan, then you must make a formal application to an appropriate mortgage lender, who will consider your application in accordance with their lending criteria.

Mortgage loans are normally subject to a formal valuation of the property and proof of your earnings.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.