Mortgage Borrowing Calculator
Estimate how much you may be able to borrow based on your combined income, deposit, and a few key affordability factors.
This is a quick guide only. Lender criteria vary, so speak with an adviser before relying on any figure or making an offer.
Visit Tools for a free credit report or affordability assessment.
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Our expert advisers are here to help you sense-check affordability and understand what lenders may consider.
Frequently Asked Questions
Many lenders start with an income multiple, often around 4.5 times income, but the final figure depends on your wider affordability profile and the lender's criteria.
Yes. Dependants, credit commitments, and existing loan payments can all reduce what a lender is willing to offer once a full affordability assessment is carried out.
No. Borrowing and deposit are separate. Your maximum purchase price is usually the mortgage amount plus the deposit you have available.
Lenders assess income, commitments, credit history, and property details differently. An adviser can tell you whether the headline figure is realistic for your circumstances before you commit.