UK joint mortgage calculator
Estimate your joint mortgage borrowing capacity from two real take-home pay scenarios. Pick each partner's calculator below, fill in their pay, and you'll see your combined gross, combined net, and joint borrowing range at 4.0× to 4.5× combined annual gross — the typical loan-to-income range UK lenders use. Once both partners are loaded, hit Save as PDF for a mortgage-broker-ready summary including per-partner income components.
Person A
Pick the calculator for Partner A's job:
Opens in a new tab. Fill in Partner A's pay, then click "Add to joint household view" (top-right of that page) to return here with the scenario loaded.
I already have a share URL
No scenario loaded yet.
Paste a URL into both slots to see your combined household figures. The calculator works with any URL from the takehome network — same site (e.g. two NHS staff) or different sites (e.g. an NHS nurse and a police officer).
How much joint mortgage can I get?
UK lenders typically pool both applicants' annual gross income and apply a loan-to-income multiple between 4.0× and 4.5× to estimate maximum borrowing. So two applicants on a combined gross of £80,000 might borrow £320,000–£360,000. The exact multiple depends on credit history, deposit size, existing commitments, dependants, and the lender's affordability stress test at higher interest rates. This calculator shows the indicative range against the real take-home scenarios you've configured — not a guess.
Can I get a joint mortgage with my parents?
Yes — multi-generational and joint borrower mortgages exist. The most common is a Joint Borrower Sole Proprietor (JBSP) mortgage, where a parent's income boosts borrowing capacity but they're not on the property deeds. Guarantor mortgages and family-springboard mortgages are also options. This page currently supports two applicants — paste your scenario into Slot A and your parent's into Slot B to see combined borrowing. Three- or four-applicant variants exist but are less common; the calculator architecture supports extending to N scenarios if needed.
Why use a joint mortgage calculator?
Generic mortgage calculators ask you to type in a household gross figure — but that figure depends on each applicant's specific pension scheme, allowances, London uplifts, and overtime. This page lets you build each applicant's real take-home from their actual NHS / police / fire / teacher / doctor / general salary calculator, then sums the two automatically. Useful for couples doing a joint mortgage application who want a properly-modelled figure to take to a broker, not an estimate.
How does the joint calculator work?
When you paste a share URL into Slot A or B, the joint page loads that scenario in a hidden iframe in the background. The original calculator runs as if you'd opened the URL directly, computes the take-home, and silently posts the result back to this page. Nothing is sent to a server — all calculation happens in your browser. The combined card updates as soon as both scenarios have loaded (usually within 1–2 seconds).
Can I combine two scenarios from different calculators?
Yes — you can mix NHS, doctor, fire, police, teacher and yourtakehome URLs in any combination. Common cases: NHS nurse + teacher, NHS doctor + police officer, two NHS staff, NHS + non-NHS spouse. Each calculator handles its own profession-specific maths (pension scheme, allowances, London uplifts) and the joint page just sums the results.
Does this include household deductions (rent, bills)?
Not at the joint level. This page shows combined gross + net + mortgage borrowing range. For post-tax deductions and disposable income, use the single-person yourtakehome calculator with your combined net pay entered directly.