How Much Could You Borrow?
Discover your mortgage borrowing potential in seconds. Enter your income and deposit to get an instant estimate of how much you could borrow.
Calculate Your Borrowing Capacity
This quick calculator provides an estimate based on the standard UK lending criteria of 4.5x your gross annual income. For a more comprehensive assessment tailored to your circumstances, our advisors are here to help.
What Determines Your Borrowing Capacity?
Mortgage lenders assess your financial profile to determine how much you can comfortably repay each month. While income is important, it's just one part of the picture.
Your actual borrowing amount may vary based on your employment type, existing debt, credit history, deposit size, and the specific lender's criteria.
This calculator is a starting point to understand your potential. For a detailed, personalised assessment, speak with one of our advisors who can review your full financial situation.
How Our Expert Advisors Support You
Tailored Mortgage Advice
Personalised guidance based on your income, lifestyle, and long-term financial goals.
Access to Market Leaders
We search thousands of deals from across the market to find you the best rates and terms.
Expert Protection Planning
Guidance on life insurance and protection options to safeguard your investment.
Dedicated Support
We'll guide you through every step of the mortgage journey with complete transparency.
Want a More Accurate Assessment?
Use our affordability calculator to factor in your existing commitments, or speak directly with an advisor for a comprehensive financial review.
Explore Affordability CalculatorReady to Take the Next Step?
Get a personalised mortgage plan from one of our award-winning advisors. We'll explore your options and find the solution that works for you.
Book Your Free ConsultationYour home may be repossessed if you do not keep up repayments on your mortgage.
This calculator provides an estimate only and does not constitute personalised financial advice. Actual borrowing amounts depend on lender criteria, credit history, and individual circumstances.
There may be a fee for arranging a mortgage. The precise amount will depend on your circumstances, e.g. credit history and employment record. It will typically be £395 for purchases, £199 for remortgages and £495 for Buy to Let. We do not charge for a product transfer or an Agreement in Principle. We will confirm your fee in writing before any chargeable activity.
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