About Mortgage Affordability

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 the affordability calculators of 58 UK lenders 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 how much each lender on our panel 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

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.