Joint Mortgage Calculator

Whether you’re applying with a partner, friends, or family, joint mortgages offer excellent opportunities for people looking to get onto the property ladder.

How Much Can I Borrow on a Joint Mortgage?

Joint mortgages allow you to access a higher borrowing capacity by combining the incomes of between 2-4 individuals, enabling collective savings for a deposit and shared responsibility for repayments. Generally, lenders are willing to grant a loan of up to four or six times a combined annual salary.

Enter your joint income and the number of applicants into our calculator below to find out your potential borrowing amount for a joint mortgage.

We could help you borrow up to: £350,000 Please note this does not guarantee eligibility for a mortgage and will still be subject to suitability and your credit profile. To ensure we can get you the best personalised mortgage quote please reach out to us.

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.

What is a Joint Mortgage Calculator?

Our joint mortgage calculator is a financial tool which uses the combined income of the applicants to provide an estimation of the loan size a lender may offer you.

It’s important to recognise that the figure given is intended to be used as a guide only. For more detailed consultation, feel free to reach out to one of our expert mortgage brokers by calling 01915809890.

What is the Purpose of a Joint Mortgage Calculator?

The purpose of our joint mortgage calculator is to give you an idea of:

  • Loan Affordability: Estimating the potential joint borrowing capacity for the applicants.

  • Deposit Calculation: Determining the required deposit based on the ownership percentage of each applicant.

  • Loan Duration: Identifying the suitable mortgage term corresponding to the loan amount.

  • Instalment Breakdown: Providing a breakdown of the instalment amount each applicant needs to contribute.

  • Interest Rate Impact: Analysing how changes in interest rates could affect the mortgage deal.

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Company Information

The Mortgage Genie Limited is Registered in England and Wales with Company Number 9803176. The Mortgage Genie Limited is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority. Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority. The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.


Depending on the complexity of your mortgage there may be a fee for our mortgage advice and arrangement service, which will be discussed and agreed before you make a mortgage application. A typical fee is £293 and will never be more than 1% of the mortgage amount.