Use a transparent income-multiple range and payment stress scenario to frame your search—not to predict a lender decision.
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Potential purchase price:
Payment at upper estimate
Payment at stress rate
Illustrative stress rate
Stress payment + commitments / gross income
5× stretch reference
This is deliberately not a lender affordability model. The 4×–4.5× range and 5× stretch reference are simple planning scenarios. Lenders vary in treatment of bonuses, overtime, self-employed income, dependants, childcare, debts, spending, age, term and credit history.
How to use the range
Treat it as an early search boundary, then seek an Agreement in Principle or advice based on your full circumstances. The payment illustration uses the upper 4.5× figure and also adds three percentage points to the entered rate as a sensitivity test; that is not a prediction of a lender's formal stress test.
