"The Easy Way to Get Your Best UK Mortgage"

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How Much Can a Couple borrow together?

Please fill in the following details to calculate the Mortgage amount you might be able to borrow

Annual Income for Applicant 1
Annual Income for Applicant 2

Mortgage Lenders will opt for one of the following income multiples. Click the calculate buttons to see the result of each one

Variation One : Three times the greater income

Variation Two : Two and a half times both annual incomes:

Variation Three : Three and a half times the greater income plus one year of the second income

You are entitled to borrow together up to:

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

First time buyer?		Yes No
Have you found property?		Yes No
Country

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

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What are your
chances of getting
a mortgage deal?

Enter your details in the quick form below and find out your chances of getting a home loan in today's mortgage market.

Value of Property

£
(eg 159000)

Borrow How Much?

£
(eg 125000)

Your Mortgage Type

Mortgage Sorter is part of The Money Sorter group, which specialises in giving independent, consumer-friendly, information on UK personal finance. Mortgage Sorter gives impartial information, not advice, on all aspects of UK mortgages, helping normal people who are trying to make sense of all the jargon you tend to come across when buying any personal finance product. Online since 1999.

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How Much Can a Couple borrow together?

How you might be able to borrow more than this

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