How much can I borrow for a mortgage?

There are many factors that can determine how much you can borrow, such as income and existing loans and financial commitments. Below is a rough guidance calculator. For a more accurate calculation, speak to one of our advisors for a free consultation about your circumstances.

How much can I borrow mortgage calculator?

You might have never had a mortgage before, or your financial circumstances might have recently changed. In either case, you might be unsure how much you can borrow for a mortgage. Our tool can help work this out based on your salary, combining your partner’s salary if it’s a joint mortgage.

Input your salary for a quick overview of what you could potentially borrow. This is based on 3.5x salary. Other options are available. Please complete these for annual incomes before tax.

How much can I borrow for the mortgage?

Number of applicants

Income

Applicant 1 Applicant 2
Annual Income
Other Income

Your Mortgage results

Based on your entered income and subject to lenders criteria and credit scoring,
you could be eligible to lend between £{{ mortgageResult.min | currency }} to £{{ mortgageResult.max | currency }}.

A mortgage of £{{ mortgageResult.max | currency }} at 5.8% over 25 years would cost you approximately £{{ monthlyPayments | currency }} per month.

Please complete annual income for both applicants.

What to do next

Speak to a broker

Arrange a callback with one of our expert mortgage brokers who can analise your situation and advise of the best way forward at a time thats convienient for you. Alternatively, use the live chat in the bottom corner.

Complete our form

Complete our mortgage form. Although its not a mortgage application, and will not affect your credit score, it will give you a good indication of what you can borrow and afford, as well as giving our brokers a bit more information about you.