Mortgage calculator

Find out how much you could borrow

Banks and building societies mostly use your income to decide how much they can lend you for a mortgage. For this reason, our calculator uses your income too. Things like your deposit and credit rating will also be factors, so remember, our calculation is only a rough idea of what you could borrow.

  1. How many people are applying?
    Applicant 1
    Applicant 2
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    It looks like you could borrow
    up to x

    • Above x

      Most lenders cap the amount you can borrow at just under five times your yearly wage. For you, this is x .

    • x to x

      Depending on a few personal circumstances, you could get a mortgage between x and x.

    • Up to x

      As long as you’ve got a 10% deposit, a clear credit history and no large debts or expenses, you should have no problem getting a mortgage of up to x.

    Borrowing x over x years could mean a monthly repayment of x - x

    • How accurate are these ranges?

      Banks and building societies mostly use your income to decide how much they can lend you for a mortgage. For this reason, our calculator uses your income too. Things like your deposit and credit rating will also be factors, so remember, our calculation is only a rough idea of what you could borrow. Read our guide to eligibility

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