P propCALC.uk
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Deal strategies

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About this calculator

Estimate maximum borrowing from income, commitments, deposit, and a stressed monthly payment.

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Did you know?

Lenders apply income multiples (often 4.5x joint income) and stress tests above the headline rate. Self-employed income may use different calculations.

Calculator

Mortgage affordability

How much you may borrow from income, commitments, deposit, and stressed payment.

Inputs

Monthly commitments (£)

Run calculator

Runs against the live API. Nothing is stored. Use Sign up to save results.

Sensitivity scenarios

Sign up to save deals

Create a free Propreneur account to save these numbers against a property.

Optional overrides - mortgage estimate for BTL / commercial

Uses offer price, monthly rent, and monthly expenses (x12 as annual opex) from the form above.

Show working

See every formula, your numbers plugged in step by step, and where each cost comes from. No other UK property calculator shows its maths like this.

Save this as a PDF deal pack

Run the calculator, then enter your email for a PDF summary (usually within a few minutes). Sign up to Propreneur for watermark-free packs and saved deals.

Calculate your deal first; the PDF uses your latest results.

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