Mortgage calculators
How Much Can I Borrow? Mortgage Affordability Calculator
Most lenders offer between four and four and a half times annual income. Use the calculator for an estimate, then speak to an adviser for a figure based on your full circumstances.
When obtaining a mortgage, it's crucial to borrow an amount that covers your dream home's cost while also ensuring you can easily manage the required monthly repayments. Our mortgage affordability calculator is designed to assist you in determining the appropriate figure.
How much could I borrow?
Enter your income, any monthly credit commitments and your deposit for an indicative borrowing range.
Bonus, overtime, commission or second job, where a lender will consider it.
Loans, car finance and credit card repayments.
Indicative borrowing range
£160,000 – £220,000
Based on lenders typically working between 4 and 5.5 times total income, reduced by the credit commitments entered. Some lenders stretch further for certain professions or higher earners.
Estimate only — figures are for guidance and are not a mortgage offer. What you can actually borrow depends on a full lender assessment of your income, outgoings, credit history and the property. Initial advice is free; if you proceed, a fee typically between £199 and £299 may apply and will always be agreed with you before any application.
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 the specific lender. You should make an appointment to receive mortgage advice which will based on your needs and circumstances.
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 the specific lender. You should make an appointment to receive mortgage advice which will based on your needs and circumstances.
Frequently asked questions
Speak to a Mortgage Adviser
Get expert, advice across a comprehensive panel of 90+ lenders tailored to your situation. We'll find the right deal — and any costs are always agreed upfront.
Qualified Advisers • Comprehensive lender panel • Costs always agreed upfront