Loan-to-Income (LTI) Calculator
See your mortgage as a multiple of household income, and compare it against common illustrative income multiples from 4x to 6x.
Your details
Results
Loan-to-income
4.00x
Illustrative maximum borrowing by multiple
4x income
£200,000
4.5x income
£225,000
5x income
£250,000
5.5x income
£275,000
6x income
£300,000
Income multiples are mathematical illustrations only. Lender affordability criteria vary and depend on far more than a simple multiple.
How this works
Loan-to-income (LTI) expresses your mortgage as a multiple of gross annual household income: LTI = loan amount ÷ gross income. Lenders use their own affordability calculations — which consider expenditure, credit commitments, stress rates and more — rather than a simple multiple, but LTI is a useful first sense-check.
Frequently asked questions
- What income multiple can I borrow in the UK?
- This varies significantly by lender and individual circumstances — commonly in the region of 4x to 5x income, sometimes higher for certain professions or higher earners.
- Does LTI include a second applicant's income?
- Yes — enter the combined gross annual income of all applicants.
Want the full picture? Open the full Mortgage Case Calculator →