How to use this range
This explorer applies your editable salary multiples, then subtracts a simple transparent allowance equal to five years of the monthly commitments entered. That is a planning convention, not a lender model. Actual assessments can consider dependants, credit commitments, living costs, income type, term, age, property and product rules.
Worked example and limitations
Two applicants earning £45,000 and £30,000, with £300 monthly commitments, produce a different range at 4.0×–4.5× than a household with no commitments. Use the upper payment as a cash-flow test, not a target.
MoneyHelper explains that lenders assess income and outgoings and may stress affordability if rates rise. See MoneyHelper’s affordability guidance. Reviewed 15 August 2026.