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.
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We're just working things out for you... ![House key icon]()
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 .
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x to x
Depending on a few personal circumstances, you could get a mortgage between x and x.
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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
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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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We're just working things out for you... 
What's next?
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Check out what your repayment could look like
Use our repayments calculator to see how much your monthly mortgage repayment could be.
Repayments calculator
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Learn more about what affects your eligibility
Ensure you’re doing everything right before you apply.
Read our guide to eligibility
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Take control of your credit score with Credit Monitor
A better score could give you a wider choice of mortgages.
Learn about Credit Monitor
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Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.