About Mortgage Affordability
We help consumers understand their mortgage borrowing potential across the entire UK lending market. Our technology checks 58 lenders simultaneously, giving you the complete picture in minutes.
What We Do
Finding out how much you can borrow for a mortgage traditionally means speaking to a broker, filling in lengthy forms, or checking lender websites one at a time. We built Mortgage Affordability to solve that problem.
Our service connects to every major UK lender's affordability calculator and checks your borrowing potential across all of them at once. You enter your details once, and within minutes you receive a personalised report showing exactly how much each lender would offer you.
- Check 58 UK lenders in one go — high street banks, building societies and specialist lenders
- No credit search performed — your credit score is not affected
- Results in 2-3 minutes, not days
- Downloadable PDF report you can take to any broker or advisor
- AI payslip analysis to save you time entering income details
What We Don't Do
It is important to be clear about what our service is and what it is not. We provide information to help you make informed decisions, but we are not a regulated mortgage advisory service.
- We do not provide mortgage advice — our results are for information only
- We do not perform credit searches — your credit file is not accessed
- We are not a mortgage broker — we do not arrange or recommend mortgages
- We do not guarantee that a lender will offer you a mortgage — affordability is just one factor lenders consider
- We do not store your payslips — they are automatically deleted within 60 minutes of processing
Expert-Led Calculation Methodology
This tool is developed and maintained by a CeMAP-qualified mortgage professional to provide consumers with an independent, market-wide overview of borrowing potential. Unlike basic bank calculators that use a single set of rules, our system incorporates the nuanced lending criteria of 58 UK lenders.
How our data stays accurate
- Criteria Mapping — We track over 120 data points per lender, including varying treatments of bonus income, self-employed profits, and pension contributions.
- Stress Test Integration — Our calculations reflect current interest rate stress tests, ensuring the figures align with actual affordability hurdles used by underwriters.
- Independent Data — As a dedicated information tool, we remain neutral. We do not prioritise lenders based on commissions, ensuring your results are an unbiased reflection of current market capacity.
For a detailed breakdown of how we calculate affordability, see our full methodology page.
Important Disclaimer
The information provided by Mortgage Affordability is for guidance only and does not constitute mortgage advice. Affordability results are indicative and based on the information you provide. Actual mortgage offers depend on additional factors including credit history, property valuation, and individual lender criteria. For personalised mortgage advice, please consult a qualified mortgage advisor.
Ready to See What You Could Borrow?
Check your affordability across 58 UK lenders. Free to start, no credit search required.
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