EyeOnYourCredit

Global information guide

First-Time Buyer Affordability Calculator — Price Range Illustration

Lenders around the world use different methods to judge how much someone could borrow. This calculator shows a simple illustration based on an income multiple and your available deposit, so you can see how the numbers interact.

Local context: Credit reporting, consumer rights, record-retention periods, score displays, lending decisions, products, taxes, and consumer protections vary by country and provider. This content is general information, not legal, financial, tax, debt, credit, insurance, investment, or personalised advice. Check the process and terms that apply where you live.

Illustrative calculation

Illustrative scenario only: not financial advice, a lender decision, an offer, a quote, a credit-score forecast, or a guarantee of savings, repayment, approval, eligibility, tax treatment, or any financial outcome.

How affordability is often estimated

Many lenders consider income, existing debts, regular outgoings, credit history and the size of the deposit. A simple way to illustrate borrowing is an income multiple, but real assessments are usually more detailed and the multiples used vary widely between countries, lenders and personal circumstances. This tool does not predict what any lender would offer.

Using the result sensibly

The price range shown is the lower of two limits: what an income multiple might allow, and what your deposit supports at the deposit percentage you enter. Remember to set aside money for upfront costs such as taxes, legal fees, surveys and moving, which vary by location. Try different multiples and deposit percentages to see how sensitive the result is.

A practical next step

Try a few different scenarios to see which inputs change the result most, and check the actual terms that apply where you live.