Sådan vurderes realkreditlånsoverkommelighed
UK and EU lenders use two parallel checks before agreeing to lend. First, an income multiple cap — typically 4 to 4.5 times your gross annual income. Sekund, an affordability stress test — they verify your monthly payment would still be affordable at a rate roughly 1% higher than today's reversion rate. The lower of the two becomes your borrowing limit.
Income Multiples by Lender Type
- Conservative (4×) — building societies and older specialist lenders
- Standard (4.5×) — most high-street banks for typical applicants
- Generous (5×) — førstegangskøbers-produkter, store indskud
- Professional (5.5×) — læger, advokater, revisorer og andre certificerede fagfolk
Sådan øger du din lånekapacitet
- Clear short-term debts: kreditkort, billån og storekort reducerer overkommelighed krone for krone
- Boost your deposit: at flytte fra 90% LTV til 75% LTV åbner ofte for både bedre satser og højere multiplikatorer
- Add a joint applicant: two incomes are pooled — the income multiple applies to the combined figure
- Stable employment: 2+ years in the same role / industry consistently scores best
- Improve your credit file: register on the electoral roll, settle any defaults, keep credit utilisation below 30%
Almindelige faldgruber
- Glemme skolegebyrer, børnepasning eller underholdsbetalinger i månedlige udgifter
- Nylig overtræk eller spiletransaktioner reducerer overkommeligheds-scoring
- Selvstændigt erhvervsdrivende ansøgere der har brug for 2+ år af regnskaber (gennemsnitlig)
- Bonus and commission income discounted 50% by many lenders
Vigtig bemærkning: This tool provides an indicative borrowing estimate. Final mortgage approval requires a full credit assessment and property valuation. Speak to a qualified, FCA-regulated mortgage adviser before making property decisions.
Relaterede lommeregnere
- Mortgage Repayment Calculator — Månedlige betalinger, samlet rente og fuld amortiseringsplan.
- Buy vs Rent Calculator — Sand samlet omkostning ved at købe versus leje over enhver tidshorisont.
- Stamp Duty Calculator — Overførselsskat for UK, Irland og EU-lande.