See what you're ABLE to afford – not just what you can borrow.
ABLE Index™ introduces a new affordability framework that looks beyond traditional mortgage calculators by combining the four factors that shape everyday living costs: Affordability, Budget, Location, and Environment. The result is a clearer, more realistic picture of whether a lifestyle — not just a mortgage — is truly sustainable.
Free tool — no sign-up required. UK-focused. Designed for real-life budgets — not just borrowing limits.
Start with a quick ABLE check
Pick a tool below. If you're not sure, start with the affordability check — it’s the one that brings everything together.
Tip: swipe sideways to see all cards.
Explore our guides
Helpful reads on real-life affordability, commuting and how to compare areas more clearly.
Best commuter towns near London for affordability
Compare house prices, travel costs and what may actually be left each month.
Read guide → CommutingHow much does commuting to London cost in 2026?
Real season ticket prices by town, plus the hidden costs most people forget.
Read guide → Hybrid workingBest commuter towns for hybrid workers
Compare towns based on two, three or five office days.
Read guide → Affordability basicsHow much house can I really afford in the UK?
Look beyond borrowing power and understand your monthly reality.
Read guide → Hidden costsWhat do people forget when buying a house in the UK?
The hidden costs that often only become obvious after moving.
Read guide → All guidesBrowse the full guide library
See all ABLE Index guides on commuting, affordability and first-time buying.
Open guides →