Free Calculator
Affordability Calculator
Find out how much you could borrow based on your income, debts, and deposit. Get an instant estimate of your maximum property budget.
Find out exactly how much you can borrow
Our advisers will give you an accurate borrowing figure based on your full circumstances.
How much can you borrow?
Lenders typically offer between 4 and 5 times your annual income, depending on your circumstances. Your loan-to-value (LTV) ratio and overall financial profile play a key role. Factors that affect your borrowing power include:
- Employment type — employed, self-employed, contractor
- Credit score — better credit means more options. If yours is low, see our adverse credit mortgages service
- Existing debts — loans, credit cards, and other commitments reduce borrowing
- Deposit size — larger deposits unlock better interest rates
- Monthly spending — lenders review your outgoings
This calculator provides a rough estimate. Whether you're a first-time buyer or moving home, for an accurate assessment based on specific lender criteria, speak to one of our advisers.
Try our other calculators
Mortgage Calculator
Monthly payment estimates
Stamp Duty
Tax on your purchase
Repayment
Year-by-year breakdown
Overpayment
Save by paying extra
Interest vs Repayment
Compare mortgage types
Bad Credit
Mortgage options with bad credit
Self-Employed
Self-employed borrowing estimate
Remortgage
Compare remortgage savings