Mortgage Affordability Calculator — How Much Can You Borrow?
See exactly how much you can borrow — and what your monthly payment looks like if rates climb 3%. Uses your country’s real income multiples and lending rules.
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How lenders decide what you can borrow
Most lenders use two tests: an income multiple (typically 4–5× salary) and an affordability stress test at a higher rate (usually current rate + 3%). The lower of the two limits what you can borrow.
A larger deposit doesn't increase your borrowing limit — but it does reduce your LTV ratio, which typically unlocks lower interest rates and avoids mortgage insurance requirements.