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Borrowing Calculator

Our borrowing calculator will give you a rough idea of how much a lender might offer you based on how much you earn and whether you’re buying with anyone else. This gives you an idea as to what price range of home you should be looking at.

We calculate this based on a simple income multiple, but, in reality, it’s much more complex.

When you apply for a mortgage, lenders calculate how much they’ll lend based on both your income and your outgoings – so the more you’re committed to spend each month, the less you can borrow. Things like your deposit and credit rating will also be factors, so remember, our calculation is intended to give an indication only.

It’s important you always get a specific quote from the lender and double-check the price yourself before acting on the information. We cannot accept responsibility for any errors.

The borrowing calculator can be used by anyone; however, you must be aged 18 and over to take out a residential mortgage.