About Afford Edge

Afford Edge is a professional affordability assessment tool designed to help users understand their borrowing position **before** submitting a mortgage application.

Built for brokers, advisors, and informed applicants, Afford Edge applies lender-grade logic to reflect how affordability is commonly assessed in real lending decisions — including income structure, committed expenditure, stress testing, and debt-to-income considerations.

The aim is not to provide optimistic estimates, but **realistic ones**. Many consumer-facing calculators simplify or exclude key variables. Afford Edge is designed to surface constraints early, reduce avoidable declines, and support better decision-making.

Afford Edge does not provide financial advice and does not submit applications to lenders. It is an independent decision-support utility intended to mirror typical UK mortgage affordability frameworks as closely as possible, based on publicly available criteria and industry practice.

Our focus is clarity, accuracy, and transparency — so users can assess affordability with confidence before engaging with a lender or advisor.