Start with your own total monthly housing ceiling. Reserve the ownership costs and breathing room you want to keep, then compare only the remainder with a mortgage scenario.
This page performs subtraction only. It does not derive a budget from income, apply a debt-service ratio or calculate a loan amount.
Compare this figure with the total monthly cost produced by the mortgage planner. Do not treat it as a loan amount.
Enter only amounts you have researched or been quoted, such as insurance, property rates, a service charge or a maintenance allowance. Leave unknown costs at zero and investigate them separately.
Those rules vary by lender, applicant and time. A generic preset would create false precision and could be mistaken for approval guidance.
Use the mortgage planner with a rate, term, deposit and costs from a real quote or a clearly labelled scenario. Compare its total monthly cost with this boundary.