Mortgage Calculator: How Much Could I Borrow ?

Try Our Mortgage Calculator

Use our Mortgage Calculator to see how much you could borrow and plan your monthly payments and budget. It’s useful for first-time buyers, people moving home, those remortgaging, or buy-to-let investors. 

Income Multiple Calculator

Our income multiple calculator helps you understand, in general terms, how lenders may look at your borrowing based on your income. Enter your income and other details, and the tool gives an estimate of how much you could borrow. This uses a standard income multiple used by many lenders. Results are for guidance only and do not guarantee a mortgage.

Why Use This Calculator

Using this calculator is a good first step if you are buying a home, moving, remortgaging, or investing in buy-to-let. It shows a simple estimate of what lenders may consider when checking affordability. Remember, each lender has different rules, and things like debts, monthly bills, and credit history can change how much they may lend.

Important Guidance

The results are estimates and should only be a starting point. The tool also helps you see why a mortgage adviser may suggest different borrowing amounts or products based on your situation.

Using this calculator responsibly can help you understand your possible borrowing and plan your mortgage with confidence.

Use our calculator to see how much you could potentially borrow