Mortgage borrowing multiple calculator UK
Explore a borrowing limit from household income and a chosen lender multiple. Check the formula, worked example and limits before using your own figures.
Enter your figures
Illustrative borrowing amount
Inputs changed. Select Calculate result to update your estimate.
Use your actual figures. Any prefilled price, fee, rate or return is an editable illustration, not a current product quote. This is an income-multiple scenario, not an affordability assessment, lender offer or guaranteed borrowing limit. Expenses, commitments, credit and lender policy are not assessed.
How the mortgage borrowing multiple calculator uk works
Illustrated loan = income × selected multiple. Purchase budget = loan + deposit.
Data basis: mathematical formula using your inputs. Example prices and rates are illustrative, not current market quotes.
Read about data coverage and updates
Worked example: mortgage borrowing multiple
This illustration uses the calculator’s example inputs. It is not a quote or a recommended financial decision.
- Gross annual household income (£)
- 60,000
- Illustrative income multiple
- 4.5
- Available deposit (£)
- 30,000
Illustrative borrowing amount: £270,000.00
Illustrated loan = income × selected multiple. Purchase budget = loan + deposit.
Mortgage borrowing multiple: questions answered
What does the mortgage borrowing multiple calculation include?
Illustrated loan = income × selected multiple. Purchase budget = loan + deposit. Use your actual figures. Any prefilled price, fee, rate or return is an editable illustration, not a current product quote. This is an income-multiple scenario, not an affordability assessment, lender offer or guaranteed borrowing limit. Expenses, commitments, credit and lender policy are not assessed.
Using your result
Example inputs are a starting point. Replace them with your figures and select Calculate result. Results are rounded for display; calculations use unrounded values.
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