Calculator
Estimate the property price range you can afford based on your income, expenses, and available deposit.
Enter your financial details to get personalized affordability guidance.
Disposable Income
R 50 000
Typical range: 10% (standard) to 5% (high LTV)
Typical: 35% (conservative) to 43% (aggressive)
Your DTI Ratio
40.0%
Max Monthly Payment
R 21 250
Estimated Affordable Property Price
R 2 948 655
Based on your income, expenses, available deposit, and lending standards. Actual approval depends on credit history, employment stability, and lender policies.
Max Loan Amount
R 2 448 655
Your Deposit
R 500 000
Important: This calculator provides estimates based on standard lending criteria. Actual mortgage approval depends on many factors including credit history, employment verification, savings history, existing debt, property valuation, and individual lender policies. Interest rates vary by lender and your credit profile. Consult with mortgage brokers and lenders for accurate pre-approval quotes.
Guide
Your monthly debt payments divided by gross monthly income. Lenders use this to determine how much you can borrow.
Conservative: 35% or lower
Moderate: 35-40%
Aggressive: 40-43%
Lower ratios = more borrowing power and safer finances.