Home Affordability Calculator
Explore a home purchase using your income, deposit, mortgage assumptions and the costs of moving.
Your home-buying scenario
Add everyone who will be named on the mortgage. Results update instantly.
How is the deposit funded?
Mortgage applicants
Enter gross annual income before tax. Regular taxable income is added to salary for the estimate.
Mortgage & affordability essentials
One-off moving & purchase costs
These are paid once and reduce the cash you retain after the move.
New-home monthly running costs
These repeat every month and are included in the true cost-of-living view.
Advanced stress testing
Tax-estimate assumptions
Your affordability decision
Monthly budget breakdown
Comfort by category
The marker shows where your scenario sits. The wider green zone is intended to reflect comfortable planning rather than strict lender criteria.
Interest-rate sensitivity
See how the same mortgage behaves if rates move.
| Rate | Monthly payment | Change | Total interest |
|---|
Key affordability numbers
What would make this Green?
The calculator tests practical changes to find roughly where this scenario enters the Green planning range.
Mortgage term comparison & five-year outlook
Compare the monthly-payment trade-off against lifetime interest, and see your expected mortgage balance after five years if the rate stayed unchanged.
| Term | Monthly payment | Total interest | Balance after 5 years | 5-year LTV* |
|---|
*Assumes the property value stays unchanged. This is not a property-price forecast.
Deposit / LTV optimiser
True monthly cost breakdown
Mortgage is only part of the real monthly cost. This view includes the recurring ownership costs you entered.
Important: Estimates for general planning and educational purposes only. This calculator is not financial, tax or mortgage advice, a mortgage offer or a lender affordability assessment. Rates, costs and rules can change. Check assumptions and important figures with your lender, mortgage adviser or conveyancer.