NB: this calculation assumes industry standard of three and a half times annual income will apply. Individual lenders may vary.

How you might be able to borrow more than this

Here's the secret: Some lenders use more sophisticated credit rating methods, where they examine your income and your outgoings. The idea is that every borrower has unique circumstances. Someone with teenage children and high outgoings can't afford to borrow as much as a singleton earning the same salary.

Sometimes people are lent five times income.

To find out exactly how much you can borrow the best thing you can do is to checkout your situation with an independent mortgage adviser.

We can put you in contact with a recommended professional here. It's free, completely confidential and there's no obligation at all. Simply enter your details with our easy enquiry form below. It takes less than 2 minutes to complete and could save you many thousands.

Please rest asssured that your information is only sent to one adviser. We are registered under the Data Protection Act and do not sell it or otherwise use it. Read our privacy policy

Value of Property £   (eg 125000) Borrow How Much? £ (eg 92500) Your Mortgage Type    - please select - Re-Mortgage Purchase Buy to Let Overseas   First time buyer? Yes No Have you found property? Yes No Country   - please select - Andorra Australia Bahamas Barbados Belgium Belize Bulgaria BVI Cayman Islands Cyprus Canada Dutch Antilles France Greece Ireland Italy Jamaica Malta Mexico New Zealand Poland Portugal Spain St. Lucia Switzerland Trinidad & Tobago Turks & Caicos USA Other.. Sorry ! The amount you want to borrow is less than £25,000. This is the minimum allowed for a mortgage. But don't worry! You could get the money via a personal loan. I want a free no obligation loan quote Click OK No thanks. I will change my borrow amount to more than £25,000 Click Cancel