Buying a home7 min read
How much house can you realistically afford?
A calm walk through the numbers behind affordability: income, existing debt, deposit, ongoing costs, and the buffer most people forget.
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Clear, practical insights to help you understand your options and build a stronger financial future.
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Renting, buying, budgeting and credit — the decisions that shape where and how you live.
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Start here
New to this? Three guides, in order, give you the foundation everything else builds on.
- 01
Get your monthly money in order
Before anything else, know what arrives, what leaves, and what is genuinely flexible.
Read it - 02
Learn how borrowing is priced
Credit is the lever that quietly sets the cost of every large purchase you finance.
Read it - 03
Decide between renting and buying
With the first two in place, the comparison becomes a calculation instead of a feeling.
Read it
Quick affordability estimator
A rough sense of what a comfortable housing budget might look like, using the common guideline of 28% of income on housing and 36% on total debt.
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Estimated comfortable home price
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Estimated monthly housing budget
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A rough educational estimate only, assuming a 30-year loan around 6.5%. It is not an offer, a quote, or an indication of what any lender would approve. Nothing you type here is sent or stored.
How we write
Money and housing content is usually written to sell something. Ours is not, and these are the rules we hold ourselves to.
- We are a publication, not a lender, broker, or introducer.
- We never sell, rent, or share subscriber email addresses.
- We take no commission on any product mentioned in a guide.
- We avoid approval, pre-qualification, and dollar-amount promises.
- We write general education, not personal financial advice.
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