Generally, when getting a mortgage they times your salary by 4 to 4.5 to get the amount of mortgage you can afford. In the UK, several mortgage calculators are available online, and easy to use, for example, click here. To get started, you need to enter some basic information such as the loan amount, interest rate, loan term, and any other additional fees or charges. The calculator will then provide you with an estimate of your monthly repayments, total repayment amount, and the interest you will have to pay over the loan term.