Affordability · England · Checked August 2026
Mortgage affordability for a first home in England
Weezz shows information and estimates from your figures, not financial advice.
Lenders look at income, existing debt, and the deposit you can put down. A common sketch in England starts near 4.5× household income, then cuts for monthly commitments. Your lender may offer more or less after a full application.
What the Weezz sketch shows
- A purchase-price range from about 4× income after debt (conservative) and a higher sketch near 4.5×.
- A monthly repayment illustration from the rate and term you type.
- England stamp duty and typical extras as cash to complete under the price.
What it does not show
It is not a Decision in Principle, a mortgage offer, or a statement that you qualify for any product. Credit score, employment type, and lender policy sit outside this page.
How to use it
Enter household income, monthly debt payments, a down payment, rate, and term. Read the purchase sketch and the cash-to-complete line together. If you already know a house price, the deposit gap tool is the better place to size the cash still needed.
Sketch a mortgage size from your figures. Information and estimates only, not advice.
Type your figures in the calculator. Create an account later if you want to keep planning in Weezz.