How much house can I afford in the UK?
This calculator helps you understand what you can realistically afford to buy based on your income, expenses, and savings — using the same 4–4.5× salary multiples applied by UK mortgage lenders.
Your finances
Adjust the sliders to match your situation
Your gross (pre-tax) annual income
Bills, food, subscriptions, travel, etc.
Monthly loan, credit card, or other debt payments
Your total savings — helps estimate deposit capacity
Your house affordability
Results update as you type
Your affordability is broadly in line with the UK average
You are well-positioned to afford a home, rent, or car within the typical UK range. Small improvements to expenses or savings will open up more options.
Home you could realistically afford
Around £240k is a realistic target based on your salary, savings, and outgoings. This is comfortable for most buyers with similar finances.
Most UK buyers with a similar income typically purchase between £211k and £269k
Safe monthly disposable income
After expenses and debt, you have around £2,475 left — with a 10% buffer built in for unexpected costs.
Based on typical UK tax bands and lending criteria. This is an estimate, not financial advice.
What the numbers mean
Standard lending multiple: Most UK mortgage lenders will lend between 4 and 4.5 times your annual salary. On a salary of £45.0k, that is a maximum mortgage of roughly £180k to £203k.
Your deposit matters: A larger deposit reduces the mortgage you need, improves your loan-to-value ratio, and typically unlocks better interest rates. Your savings of £20.0k can contribute to this.
Monthly commitments count: Lenders assess your affordability based on net disposable income after all regular outgoings. High monthly expenses or existing debts can reduce what you can borrow.
These results are estimates based on standard UK guidelines. Actual offers will vary by lender, credit profile, employment type, and individual circumstances. Always speak to a qualified mortgage broker before making major decisions.
Popular house affordability scenarios
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Also check
Explore more UK affordability scenarios tailored to different salaries and locations.