To determine what house you can afford in the UK, you can use a mortgage affordability calculator. These calculators take into account your income and monthly outgoings to estimate how much you can afford to borrow for a mortgage. Here are some steps you can take to use a mortgage affordability calculator:

1. Enter your income: You will need to enter your annual income, which includes your salary, bonuses, and any other sources of income.

2. Enter your monthly outgoings: You will need to enter your monthly expenses, including bills, credit card payments, and any other regular payments.

3. Enter the interest rate and repayment period: You can adjust the interest rate and repayment period to see how they affect your monthly payments.

4. Get your results: The calculator will give you an estimate of how much you can afford to borrow for a mortgage, and how much money you will have left over each month.

Its important to remember that how much you can borrow for a mortgage and how much you can afford are slightly different. While a lender may be prepared to let you borrow a lot, you may prefer a smaller mortgage so that you can still afford to do other things. Before you borrow the maximum amount, you should think about whether you could comfortably afford the monthly repayments on a large mortgage. A general rule of thumb is that you dont want to spend more than 30% of your take-home salary on mortgage repayments. Additionally, you should consider other home-buying costs, such as the deposit, stamp duty, and solicitors fees, as well as the cost of moving from your current home.