Mortgage Affordability Hub
Affordability is one of the key factors that decides if you get approved for a mortgage.
Our specialist advisors understand how lenders assess income and can help you maximise what you are able to borrow.
All about Mortgage Affordability
Mortgage affordability is the primary factor lenders use to decide how much you can borrow. Every lender has their own way of calculating it, which means the figure can vary depending on where you apply. Some may focus mainly on your salary, while others will look at your overall financial picture, including expenses, debts, and credit history.
This can make it challenging to know what you are truly able to afford. Our guides explain the income needed for a mortgage and how much you can typically borrow on your salary, so you can see how lenders are likely to assess your situation.
At Online Mortgage Advisor, our specialists know which lenders are more flexible and how to present your case in the best way. They can help you understand what is realistic and the steps you can take to increase your borrowing power.
To get started, read through our affordability guides or try our mortgage affordability calculator to get an idea of how much you could borrow and what the repayments might look like.
Understand your affordability
Use our calculator to see how much you could borrow based on your income and outgoings.
Read our guides
Explore our affordability guides to learn about the income needed for a mortgage, how much you can borrow on your salary, and the factors that affect lender decisions.
Compare mortgage deals
Use our comparison tool to see the latest products available across the market.
Speak to an expert
Get matched with an advisor who understands affordability rules and can guide you to the lenders most likely to approve your application.
Our advisors know how different lenders assess affordability and can help you maximise your borrowing potential. Enquire today.
Our Guides
Expert mortgage guidance tailored to affordability.
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Mortgage Tools & Calculators
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Frequently Asked Questions
Still have questions about mortgages, rates, or the application process? Our comprehensive FAQ section covers everything from first-time buyer queries to complex remortgage scenarios.
When conducting a mortgage affordability check, lenders assess your income, regular expenses, and any existing debt. They will also consider your credit score, job stability, and other financial commitments to determine how much you can afford to borrow.
Mortgage affordability checks usually take between two to six weeks. The timeline can vary depending on the lender and how quickly you provide the necessary documents, such as proof of income and bank statements.
A mortgage advisor will search the market for you and recommend the best deal based on your situation. They do more than compare rates. They understand lender criteria, manage the paperwork, and know how to get complex cases approved.
With expertise in specialist mortgages and strong lender relationships, they save you time, reduce the risk of rejection, and often access deals not available directly.
Online Mortgage Advisor is an FCA-authorised mortgage broker serving customers nationwide. We match you with specialists who excel in situations like yours.
Over 600,000 borrowers have trusted us to help them find the right deal, and we are rated Excellent on Trustpilot.
Your first chat with an advisor is always free and comes with no obligation.
If you choose to go ahead, fees vary depending on the complexity of your case, but you will always know the cost upfront. You will never be charged without agreeing to it first.
Customer Success Stories
Find out your best mortgage options today
You’ll have a dedicated team by your side from questions to completion, with clear choices and costs explained upfront. We’ll match you with a mortgage advisor specialising in your unique situation.