The Homebuyers Club

How much house can you actually afford?

Five quick questions. A realistic budget in about a minute — with the stamp duty most people forget.
Stamp duty rules differ across the UK.
Gross yearly salary — what lenders mainly lend against.
£
£
£
Your estimated budget
£0
a typical lender guide (about 4.5× income) plus your deposit
Estimated mortgage you could borrow£0
Your deposit at purchase£0
Est. stamp duty (first-time buyer)£0

Pop your details in — we’ll send you more

You’ve got your budget. Here’s what we’ll send straight to your inbox:

  • Which lenders could let you borrow more than the typical guide — and what that does to your budget
  • The specific buying schemes that fit your situation (deposit, income, timeline)
  • A saved copy of these numbers to keep and revisit
  • Ongoing first-home tips, scheme updates and member offers as you go — if you’d like them (optional, below)
Your answers are saved in this browser so the calculator remembers them next time — clear them anytime via your browser settings. We’ll always email the results you asked for; the ongoing tips above are only sent if you tick the box.
Please enter your first name and a valid email.
A rough, educational estimate only — not a mortgage offer, lending decision, tax calculation or financial advice. Real borrowing depends on your full circumstances, credit, outgoings and the individual lender (many use different income multiples; some lend more or less than 4.5×). Stamp duty is illustrative, based on 2026 first-time-buyer rules and your estimated budget; your actual liability depends on the real purchase price. Always speak to a qualified mortgage broker and confirm tax with a solicitor or HMRC before making decisions.

Your full results are on the way

We’ve emailed your personalised breakdown to your inbox — including the lenders that could stretch your budget and the schemes that fit you.

It should land within a few minutes. Do check spam just in case.

See your next step →