{"tool":"uk-mortgage-affordability","inputs":{"income1":50000,"income2":0,"deposit":40000,"monthlyDebts":0,"multiple":4.5,"rate":4.5,"termYears":25,"region":"uk"},"taxYear":"2026-27","currency":"GBP","result":{"householdIncome":50000,"assessable":50000,"loan":225000,"deposit":40000,"price":265000,"ltv":0.8490566037735849,"limitedBy":"income","multiple":4.5,"payment":1250.6230754144897,"stressed":1662.7301500442754,"netMonthly":3293.2999999999997,"share":0.37974769241019335,"stressedShare":0.5048826860730197,"totalInterest":150186.92262434692,"ltvBand":{"label":"85%","note":"a step up in rate"},"verdict":{"level":"tight","text":"The current payment is under 40% of estimated take-home, but the higher-rate illustration exceeds it."}},"sources":[{"label":"Bank of England mortgage loan to income flow limit","url":"https://www.bankofengland.co.uk/prudential-regulation/publication/2014/june/loan-to-income-ratios-in-mortgage-lending"},{"label":"gov.uk income tax rates","url":"https://www.gov.uk/income-tax-rates"},{"label":"gov.uk National Insurance","url":"https://www.gov.uk/national-insurance-rates-letters"},{"label":"gov.uk workplace pension contributions","url":"https://www.gov.uk/workplace-pensions/what-you-your-employer-and-the-government-pay"}],"method":"https://salarycrossing.com/about/","page":"https://salarycrossing.com/mortgage/","caveat":"Illustrative affordability, not a lender decision or mortgage offer. The rate is a user assumption, not a live quote."}