Affordit

Affordit calculator

Can I afford a mortgage?

Affordit is not a lender, broker, credit checker or financial adviser. This page provides general planning guidance only.

Check your route

Example route

A quick illustration of the inputs Affordit checks.

Goal cost

£10,000

Monthly contribution

£300

Savings

£1,000

How to check if you can afford mortgage

Your current savings and any one-off boost
Your planned monthly contribution
Your salary, rent and living costs
The timeline you want to hit
Whether the route leaves enough breathing room

What Affordit checks

Goal cost
Current savings
Monthly contribution
Salary and estimated take-home pay
Rent or mortgage
Living costs
Timeline
Emergency buffer
Optional finance route estimate

What makes this different

No credit check
No bank connection
Honest route scoring
Shows what needs to change
Lets you compare routes

When mortgage may not be realistic

The required monthly amount is higher than spare income
The timeline is too short for the current contribution
The emergency buffer would be used up

Example route

Example route: a mortgage goal of £10,000 with £1,000 saved and £300 per month would be checked against income, costs and timeline.

Common questions

Quick answers before you use the free route planner.

How do I know if I can afford mortgage?

Start by comparing the goal cost with your savings, monthly contribution, income, living costs and selected timeline. Affordit turns those inputs into a practical route and an honest reality check.

Is this a mortgage approval or eligibility check?

No. Affordit is not a lender, broker, credit checker or financial adviser. It provides general planning guidance only.

Will this affect my credit score?

No. Affordit does not run a credit check and does not connect to your bank.

What does Affordit check?

It checks your goal cost, usable savings, monthly contribution, selected timeline, estimated take-home pay and living costs.

Can I save my route and compare scenarios?

Yes. The Affordit app lets you save routes locally in your browser, duplicate scenarios and compare different monthly contributions or timelines.

Can I use Affordit if I already know the finance rate?

Yes. For relevant purchases, Affordit can estimate a monthly payment from a rate, term, deposit and fees, then check whether that payment looks realistic against your income and costs.

Related Affordit pages

Can I afford a house?Can I afford a holiday home?Can I afford a flat?

Check your route in Affordit.

No credit check. No bank connection. General planning guidance only.

Check your route