Studio · Property

Mortgage affordability

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See the monthly cost, loan-to-value and a +3pp rate-shock stress test for a purchase.

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Property price£350,000

Deposit15%

Mortgage rate5%

Term25 yrs

Gross household income£60,000

Estimated monthly payment

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£1,739

£297,500 loan at 5.0% over 25 years

Loan amount

£297,500

Loan-to-value

85.0%

Payment-to-income

34.8%

Stressed payment (+3pp)

£2,296

Stressed P/I

45.9%

At 5.0% over 25 years, a £297,500 loan costs about £1,739 per month — 34.8% of gross income.
A +3pp rate shock raises the payment to £2,296 (45.9% of income).

Risk flags

• A +3pp rate rise pushes payments above 45% of income.

Deterministic scenario analysis for research and education only — not financial, investment, tax, legal or mortgage advice. Outputs are prompts for further research, not recommendations.