UK Mortgage Affordability Checker
According to UK Bank of England published Bank Rate data and HMRC SDLT guidance, this calculator delivers UK-specific mortgage and property-purchase math. All calculation runs entirely in your browser; no data is transmitted to PlainMortgage.
How this calculator works
Estimate borrowing capacity under BoE Affordability Test framework. Calculations follow primary UK government and Bank of England sources — see our methodology for full source attribution.