Affordability Calculator
How much can you borrow and what can you afford?
Maximum property price
£232,500
Maximum borrowing
£202,500
4.5× combined income of £45,000
Monthly payment
£1,126
30% of gross income
Stress test payment
£1,496
At 7.5%
Passes stress test
Based on a 4.5× income multiplier, which is what most high-street lenders use. Some specialist lenders may offer up to 5.5× for higher earners.
Frequently Asked Questions
Important: The figures provided by this calculator are for general illustrative purposes only and do not constitute financial advice, a recommendation, or a guarantee of any outcome. Calculations are based on simplified assumptions and may not reflect your individual circumstances. You should seek independent financial advice from a qualified professional before making any financial decisions. Viven accepts no liability for decisions made based on the information provided by this tool.
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