Mortgage Calculator How Much Can I Borrow

Please fill in the following details so we can calculate the mortgage loan value you should be able to borrow:

Enter any amount in ‘000s

Annual Income of Applicant in £

Plus any bonus pay, extra income, etc in £


You are entitled to borrow up to

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.

More Mortgage Calculators