How much can I borrow?
Last checked UK · illustrative onlyNot a lender or brokerAboutDisclaimer
RLPublished by Rodway Labs — not a mortgage adviser
A transparent income-multiple ballpark with a stress-rate payment note. This is not a lender affordability assessment or a mortgage offer.
Methodology & assumptions · Last checked
Your inputs
Starter figures are UK examples you can edit — replace them with your balance, rate, term and fees. Results update as you type.
Results
Total income
£80,000
Max from multiple
£360,000
Commitment haircut (annualised)
£2,400
Indicative maximum loan
£357,600
Payment at 7.50% stress
Not a lender decision — illustrative only
£2,642.63
Payment at illustrative rate
£1,987.66
Max loan given deposit & value
£310,000
Illustrative LTV (capped loan)
88.6%
Not a mortgage offer. Remortgage Lab does not provide FCA-regulated advice. Use only as a ballpark before speaking to a lender or adviser.
Illustrative only — not personalised financial advice and not an FCA-regulated mortgage recommendation. Check your offer, Key Facts Illustration, and lender terms. Rates, fees and tax rules change. Focus is England & Northern Ireland where tax/SDLT rules apply; Scotland and Wales have different property tax regimes. Full calculator disclaimer.
What to do next
Methodology, equations & assumptions
Last checked . Figures are illustrative; tax and product rules can change. England & NI focus for SDLT-related tools — Scotland (LBTT) and Wales (LTT) differ.
Indicative max loan ≈ (total income × multiple) − (other monthly commitments × 12). Stress payment uses the repayment formula at illustrative rate + stress buffer.
- Highly simplified — not an FCA affordability test.
- Default multiple 4.5× (adjustable). Commitment haircut is illustrative only.
- Does not assess credit, employment type, or lender criteria.
Notes & FAQs
- Why do lenders quote different amounts?
- They use detailed outgoings, credit data, and stress tests. A simple multiple is only a starting point — often optimistic or pessimistic depending on your commitments.