Use the TavaJobs moving job and mortgage affordability calculator to estimate how a new job, salary increase or career change could affect how much you may be able to borrow.
Enter your current income, new expected income, deposit and monthly commitments below to compare your estimated mortgage affordability before and after changing jobs.
Estimate How a Job Move Could Affect Mortgage Affordability
Use this calculator to compare your estimated mortgage affordability before and after moving jobs, increasing your salary or changing career.
This tool uses a simple income multiple estimate and adjusts for monthly financial commitments.
Your estimated mortgage affordability comparison
Estimated property budget
How this calculator works
The calculator compares your current income with your expected new income and applies a simple mortgage income multiple. It then reduces the estimated borrowing amount to allow for monthly debt or credit commitments.
Your actual mortgage affordability may be higher or lower depending on the lender, your credit history, deposit size, employment status, probation period, regular outgoings and the type of mortgage you apply for.
Frequently asked questions
Can changing jobs affect my mortgage application?
Yes. Some lenders may look at how long you have been in your role, whether you are in a probation period and whether your income is stable.
Can a pay rise increase how much I can borrow?
A higher salary may increase your estimated borrowing amount, but lenders will still assess your full financial situation and lending risk.
Does this calculator guarantee how much I can borrow?
No. This calculator gives a simple estimate only. It is not a mortgage offer, decision in principle or financial advice.
Should I speak to a mortgage adviser before changing jobs?
If you are planning to buy a property or remortgage soon, it can be sensible to speak with a qualified mortgage adviser before changing jobs.
This calculator gives an estimate only and does not replace regulated mortgage, financial or legal advice. Mortgage affordability depends on lender criteria, credit history, employment status, probation period, income evidence, deposit size, expenditure, interest rates and your personal circumstances.
The results are not a mortgage offer, decision in principle, recommendation or guarantee of how much you can borrow. If you are planning to buy a property, remortgage or change jobs before applying for a mortgage, consider getting regulated mortgage advice from an authorised mortgage adviser or lender.
Compare job changes, income and mortgage options
Use these related calculators and job pages to compare income, affordability and career moves before changing role.