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Mortgage Affordability Calculator
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Mortgage Affordability Calculator
How Much House Can I Afford?
Estimate the maximum house price you can target based on your
income, deposit, interest rate, and loan term.
Total income before tax for your household (salary + consistent side income).
Regular monthly loan repayments that will continue after you get the mortgage.
30%
Many lenders prefer total housing costs to stay under
30–35% of gross income.
Savings you can put towards the house (excluding emergency fund).
Please enter positive values for income, rate and term. Monthly income must be higher than other debts.
💡 This tool is a guide. Lenders will also check your
credit record, job stability, and
other factors.
Estimated affordability
Waiting for numbers…
Max house price: KES 0.00
Max loan amount: KES 0.00
Max monthly mortgage payment
KES 0.00
Income used for mortgage
0.0% of gross income
Deposit contribution
KES 0.00
Implied loan-to-value (LTV)
—
Approx. total interest over term
KES 0.00
Total repaid (principal + interest)
KES 0.00
Mortgage vs income (monthly)0.0%
This estimate assumes a standard amortising mortgage
with fixed monthly payments and no additional fees or insurance.
Always confirm exact figures with your bank or SACCO.
