October 12, 2025
Mortgage Affordability Calculator
I have created a simple mortgage affordability calculator. It's to give a view from someone who understands affordability, but it's not a guarantee that a mortgage will be given.
Read articleSome notes on housing-market research, methodology updates, and source notes, built to show how the signals are interpreted and where the numbers come from. Best case, you find it interesting, worst, you killed some time whilst the kettle boils.
October 12, 2025
I have created a simple mortgage affordability calculator. It's to give a view from someone who understands affordability, but it's not a guarantee that a mortgage will be given.
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October 2, 2025
UK mortgage approvals dipped in August 2025, with remortgaging weaker and high-value demand cooling as buyers await clarity from the November Budget.
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September 5, 2025
Use our free Mortgage Calculator to quickly estimate monthly repayments or interest-only costs. Adjust amount, term, and rate to see total payments, balance charts, and stress test scenarios.
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August 31, 2025
Mortgage Approval data used on this site is provided by the Bank of England. It is not available in a single source and has to be built from codes.
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October 25, 2024
A question recently received poses an interesting quandary about whether to use bonus payments to reduce a mortgage or top up a pension.
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April 23, 2022
A question from a young man in Inverness contemplating one of the biggest decisions he will face. Should he buy a house? Will he be able to afford it with all the rising costs and so on? These are good questions to be asked and always best asked before actually going ahead.
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