Academy
Training Session · Beginner · 13–16 min+55 Mortgage Fitness Unlocks: Affordability Aware badge

Affordability Explained

Instead of telling you what affordability is, this session lets you build it. Explore how income, commitments and lifestyle spending combine to shape what a lender will offer — and where you have the biggest levers to pull.

Welcome

Affordability isn't a number — it's a picture.

Salary matters, but it's only one input. Lenders build affordability from income, commitments, credit, dependants and future stress-testing. By the end of this session you'll have modelled it yourself.

Income Builder

Affordability Lab

Earn Affordability Aware

Getting Your Mortgage Ltd

Financial Fitness for Home Ownership

Working out your way home.

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Company

Legal

Access

Company details: Getting Your Mortgage Ltd. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF, United Kingdom. ICO registration: ZC177396.

Regulatory status: GYM provides Mortgage Fitness guidance only and is not itself authorised by the Financial Conduct Authority to give regulated mortgage advice. Any regulated mortgage advice is provided by FCA-authorised advisers we introduce you to, after a full fact-find. The Mortgage Fitness Score is for guidance only and is not a mortgage offer, decision in principle or guarantee of approval.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Think carefully before securing other debts against your home. Buy-to-let mortgages and some forms of commercial or overseas lending are not regulated by the Financial Conduct Authority.

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