Free tool
What could you afford next?
Your equity plus a rough borrowing estimate, after Stamp Duty.
A rough guide, not a mortgage offer. Lenders check outgoings, credit history and interest-rate stress tests. Stamp Duty uses England & NI moving-home rates.
Sources & review
Last reviewed:
The income multiple is your chosen assumption (4.5× is a common rough guide, not a lender promise). Lenders apply their own affordability checks, credit scoring and stress tests. Not mortgage advice: speak to a regulated mortgage adviser.
- GOV.UK — How to sell a home
England and Wales: selling costs, paperwork, leasehold information, valuations, chains and legally binding exchange (sections 2–7, 16–17 and 21–22).
- MoneyHelper — How much can I borrow?
Lenders assess income, outgoings and affordability; income multiples are a rough guide only.
- HMRC — Stamp Duty Land Tax rates
England and Northern Ireland residential SDLT rates from 1 April 2025.
Review dates record our source check, not the date a rule took effect. Rules can change; check the linked guidance before acting. Legal processes differ across the UK.