Mortgage simulator
Work out payments, stress-test affordability, and see how your cash survives the unexpected.
Mortgage planner: how lenders see your income
Not financial advice. These are illustrative planning figures, not a mortgage offer. Lenders vary widely in how they assess income and every assumption can be changed. Speak to a regulated mortgage adviser before applying.
Lender assumptions (illustrative, editable)
These are not any lender's real policy. Typical income multiples are 4 to 4.5x, and up to 5.5x for some professionals or lower loan-to-value.
Your mortgage
No saved scenarios found — create one in the calculator first.
Results
Enter a property value, deposit and rate to see your estimated payments.
Illustrative only — not regulated mortgage advice. Affordability varies by lender; obtain an Agreement in Principle before committing.
What-if simulation
See how your cash buffer and home equity hold up under different income paths.
Income-path simulation is a Pro feature.
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These calculations are estimates only and should not be relied upon for tax filing or financial decisions. Your actual tax liability may differ. Read disclaimer