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Find out how much can borrow for your mortgage based on your and your spouse’s income

This easy-to-use mortgage affordability calculator will allow you to see how much you are eligible to borrow against a house, based on your salary and (if applicable) that of your partner or spouse. Please note that the amount you can borrow varies from lender to lender, and can be affected by factors other than your salary, such as your monthly credit commitments.

Before applying for a mortgage, it is important to be sure that you can keep up with your mortgage repayments both in the short- and long-term. A mortgage is a crucial investment, and you need to know that you can commit to it whatever the future may bring. This mortgage borrowing calculator should give you a rough idea of how much you may be able to commit to. We also recommend that you speak with our team to get expert advice on how much you can afford.

You may also be interested in making use of our mortgage term and mortgage repayment calculators, as well as our mortgage comparison tool to find the perfect deal for you.

Simply enter your and your partner’s salaries below and hit calculate to get your very own mortgage estimate.

This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you.
All mortgages are subject to the applicant(s) meeting the eligibility criteria of lenders.
Make an appointment to receive mortgage advice suitable for your needs and circumstances.

What The Mortgage Genie can do

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How much can I borrow?


This calculator is based on the profile of our average customer.

Enter your salary and that of your partner (if applicable) to work out how much you can borrow.

the mortgage genie has calculated how much you can borrow!
please enter your name and contact number to see your results.

Why trust The Mortgage Genie?

Why trust The Mortgage Genie?

The Mortgage Genie works to bring you into direct contact with the UK’s leading lenders, with a specially selected panel of mortgage vendors on hand to advise and work with our clients to get them the best possible deal on their mortgage.

Our expert team of friendly advisors will take the time to get to know you and your background so that we can provide you with the personalised advice and guidance you need.

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How much will I pay per month?

Enter your details into our repayments calculator to find out how much your monthly mortgage repayments will be.

Repayment Calculator

What is my Mortgage Term?

Find out your mortgage term with our handy calculator – simply enter your birth date and retirement age to discover your mortgage term.

Term Calculator

Find out more about our Mortgage Services

From first time buyers to new builds, we provide mortgage services to suit every need.

Mortgage Services

Important information

This calculator has been designed by the team at The Mortgage Genie to give you a better idea of how much you are eligible to borrow. Results, however, are subject to change and you must not take this calculator as a definitive answer as to how much you can borrow. Before taking out a mortgage or reaching out to lenders, you should always check with an expert – give us a call on 033 33 44 72 for your personalised report.

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