Kikokotoo cha uwezo wa rehani cha Uingereza

Jinsi ya kufanya

1. 1
   Jaza visanduku

   Andika namba zako au chagua chaguo unazohitaji.

2. 2
   Angalia matokeo

   Jibu husasishwa mara moja unapobadilisha thamani.

3. 3
   Litumie

   Nakili matokeo au yaandike. Hakuna kinachotumwa popote.

About this tool

Enter your income (and a partner's), your deposit, the rate and the term. Lenders usually offer about 4 to 5 times income, so choose a multiple. The result shows the loan, the home price it could buy and the monthly payment. Rates and thresholds are for the 2026-27 tax year and can change. A guide only, check gov.uk for the official figures.

How lenders decide

Banks use an income multiple of roughly 4 to 4.5 times, sometimes up to 5 or 5.5 for strong applicants, and then check your spending and credit file. This tool applies the multiple you choose and adds your deposit to estimate the price you can afford.

Example

Two people earning £45,000 and £30,000 at 4.5 times can borrow £337,500. With a £40,000 deposit the price is about £377,500.

Tips

Test the payment at a rate 2 or 3 points higher to see how you would cope if rates rise. Remember stamp duty, legal fees, surveys and moving costs.

Mfano uliotatuliwa

With the boxes at their starting values (Your yearly income (£): 45000; Partner's yearly income (£): 0; Deposit (£): 30000; Interest rate (%): 4.5; Term (years): 25; Income multiple: 4 times), the tool shows: Home price you could afford (£): 210,000; Monthly payment (£): 1,000; Loan to value: 85.7%; Total paid over the term (£): 300,150; Likely maximum loan (£): 180,000. Change any box to see your own numbers. The result updates as you type, and nothing leaves your browser.

Vidokezo vya matokeo bora

Angalia kila kisanduku kabla ya kuamini matokeo, kwa sababu nambari moja isiyo sahihi hubadilisha jibu zima. Tumia nambari kamili kutoka kwenye hati ya mshahara, ankara, cheti au mkataba na uandike tarehe uliyohesabu. Viwango, vizingiti na sheria hubadilika mara kwa mara, kwa hivyo kwa kodi, ada na masuala ya kisheria chukulia matokeo kuwa makadirio na uyathibitishe na chanzo rasmi kilichotajwa kwenye ukurasa huu. Unaweza kujaribu hali nyingi unavyotaka; hakuna kinachohifadhiwa wala kutumwa na kupakia upya ukurasa husafisha visanduku.