Can I Afford a [X] House on a [Y] Salary?
Skip the generic calculators. Explore our pre-calculated programmatic reality matrix across the US, UK, Europe, and Australia. See exact monthly mortgage payments, down payment requirements, and statutory bank caps for realistic combinations.
Australia Affordability Grid
Click any cell to open the complete underwriting breakdown:
How Regional Banks Benchmark Affordability
Why a 4.5x salary loan works differently in London, Sydney, Berlin, and Austin:
United States: 28/36 DTI
Total housing (PITI) is capped at 28% of gross income, stretching to 36% back-end including car and student loans.
United Kingdom: 4.5x LTI
PRA regulations strictly cap loans to 4.5x gross salary. Homes requiring higher debt need larger cash deposits to qualify.
Eurozone: 35% HCSF Ceiling
Monthly mortgage + mandatory borrower insurance is capped at 35% of net-before-tax income, plus 8% notary costs.
Australia: APRA +3.0% Buffer
Banks stress-test repayment capacity at the loan rate plus 3.00% buffer (9.20%), ensuring resilience against rate hikes.