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UK Mortgage Affordability Calculator (4.5x Salary)

Calculate borrowing power in the UK based on the 4.5x income multiplier.

Your Finances

£
£
£

Max Home Price

£222,500

Based on a monthly budget of £1,238

Using regional affordability caps.

Max Rent Budget

£1,125/mo

Based on 30% of gross income rule.

Car Affordability

£19,575

Using the 20/4/10 rule (Conservative).

Debt-to-Income Health

33.0% Ratio
Healthy (<36%)Stretch (<43%)High Risk (>43%)

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Financial Analysis

In the UK, lenders typically cap borrowing at 4.5x your annual gross income. This calculator adjusts for UK-specific lending rules.

Compare Other Income Levels

$50k salary?$80kk$100k salary?$150kk Mortgage AffordabilityHome Affordability on $200k Income$60k salary?$70kk$120k salary?Luxury Home Affordability on $250kkDual Income $120k Mortgage AffordabilityDual Income $200k Home Buying Power

Common Questions

How much house can I afford with £45,000 income?

With a 45,000 annual income, lenders typically qualify you for a home price between £157,500 and £202,500, assuming you have low existing debt.

What is the 28/36 rule?

The 28/36 rule states that you should spend no more than 28% of your gross monthly income on housing costs (mortgage, tax, insurance) and no more than 36% on total debt (including cars and student loans).

Does this calculator include property taxes?

Yes, our affordability engine automatically estimates property taxes and insurance to give you a realistic 'PITI' budget, not just a raw loan amount.