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Mortgage tools

Indicative borrowing calculator

Explore the arithmetic of annual income multiplied by a number you choose.

Choose an assumption between 1× and 6×; no multiple is guaranteed.
Your illustration—

What this illustration assumes

This is not a lender affordability calculation. It ignores commitments, dependants, expenditure, credit history, age and product restrictions. The selected multiple is your assumption, not a claim of available lending.

Calculated on your device. The figures you enter are not sent to Jack. A lender or insurer may calculate costs differently.

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Understand the figures

What an income-multiple estimate can tell you

This tool multiplies the annual income entered by the multiple you choose. It is useful for testing planning assumptions, but it does not know which income a particular lender will accept or assess your household spending.

Do not treat the result as a maximum loan or an agreement in principle. Prepare the evidence for each income source and a separate budget for commitments, living costs and changes you expect.

Illustrations support preparation for a conversation. Read the assumptions above and how website information is prepared.

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