Assumptions, not a quote: income times a multiple, with annualised commitments deducted from income first, the way many lenders do. The default 5.5% rate is around the average 5-year fix in June 2026; change it to match deals you are seeing.
You could borrow roughly
£157,500
Max property price £182,500 with your £25,000 deposit (14% deposit)
A gentle reality check: most lenders cap lending around 4.5 times income, and they stress-test that you could still pay at a higher rate. Your credit history, age, spending and the property itself all move the real figure, so treat this as a starting range, not a promise.
Do not forget stamp duty on top of the deposit: stamp duty calculator. Still building the deposit? Try the savings goal planner.
Mortgage affordability calculator by Wealthfare. Free UK money tools; figures update each tax year.