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MORTGAGE BORROWING CALCULATOR

How much could you borrow for a mortgage?

Get an indication of how much you could potentially borrow based on your income before you start looking at properties.

Choose whether you're applying on your own or jointly, enter your income and use the calculator as a useful starting point for your mortgage plans.

Calculate My Borrowing
START WITH YOUR INCOME

See what your borrowing could look like.

Select the application type that applies to you and enter your annual income before tax. The calculator will give you an indication of your potential borrowing.

01
SINGLE APPLICATION

Applying on your own?

Enter your annual income before tax to get an indication of how much you could potentially borrow.

Single Application
If you’re applying as a single applicant, please enter how much money you earn per year before tax.
10000
Amount:£

    02
    JOINT APPLICATION

    Applying with someone else?

    Enter the combined annual income for both applicants before tax to get an indication of your potential borrowing.

    Joint Application
    Please enter the total annual income for both people before tax.
    10000
    Amount:£

      UNDERSTANDING THE RESULT

      Your borrowing figure is a starting point, not a mortgage offer.

      The calculator is designed to give you an indication of what you could potentially borrow. The amount a lender may actually offer can depend on much more than your income.

      Lenders can look at your existing financial commitments, deposit, credit history, mortgage term, employment circumstances and their own lending criteria when assessing an application.

      If you're self-employed, receive dividends, have variable income or have a more complicated financial background, the way your income is assessed can also vary between lenders.

      WHAT CAN AFFECT HOW MUCH YOU CAN BORROW?

      Income is only part of the picture.

      Your borrowing potential can be influenced by several different parts of your financial circumstances.

      01

      Your income

      Your salary, self-employed income, dividends or other earnings may be assessed differently depending on how you earn.

      02

      Your commitments

      Existing loans, credit commitments and regular financial outgoings can affect affordability.

      03

      Your deposit

      The amount you have available as a deposit affects how much you need to borrow and your overall mortgage position.

      04

      The lender

      Different lenders can have different affordability calculations and lending criteria, so results can vary.

      GOT YOUR FIGURE?

      Let's see what it could mean for your mortgage plans.

      Your calculator result is a useful first step. We can look at your wider circumstances and help you understand what mortgage options may be available.

      Explore My Mortgage Options