Welcome to the Affordability Calculator at Mortgage Solutions Hub – your first step to discovering what you can realistically borrow and how much home you can afford. Whether you’re a first-time buyer, planning a move, or simply curious about your borrowing potential, this tool provides clarity and confidence. Understanding what you can afford before house hunting is crucial. Lenders consider not only your income but also your existing commitments, living expenses and credit position. Our calculator takes all these factors into account to give you a personalised estimate, helping you avoid disappointment later on.

By entering your income, outgoings, deposit and other commitments, you’ll get a clear picture of your borrowing limit and see which expenses have the most impact – so you can fine-tune your budget or adjust your plans.

At Mortgage Solutions Hub, we’re here to make your mortgage journey less stressful and more informed. This tool doesn’t approve loans, but it gives you an educated starting point.