Home/ Buying/ Affordability Calculator
Free buyer tool

How much can you afford?

Enter your income and deposit to see how much you could borrow, your likely maximum property price and the monthly repayment — then browse Northumberland homes in your budget.

Your finances

£12,000£200,000
£0£500,000
3.5×5.5×

A guide only — most lenders advance around 4.5× income, but your actual offer depends on credit history, outgoings and the lender's affordability assessment. Speak to a mortgage adviser for an agreement in principle.

Maximum property price
£197,500
Borrowing + your deposit

Your figures

Total income considered
£35,000
Estimated borrowing
£157,500
Plus your deposit
£40,000
Maximum price
£197,500
Est. monthly repayment*
£875

*Repayment estimated over 25 years at 4.5%.

See homes in my budget → Get an agreement in principle
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  • Your results saved and tracked over time
  • Real sold prices and market data for your postcode
  • New listings and price drops before the portals
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Free forever · No credit card · 60 seconds