How much can I borrow?
Get a quick, rough idea of what you might be able to borrow. Add your salary, and a second applicant’s if you are applying together.
What you will need
Your annual salary before tax
A second salary if applying together
Two minutes
A starting point, not a promise
Lenders commonly base what they will lend on a multiple of your income, and the multiple varies between lenders and between people. This calculator uses 4.75 times your combined income to give you a rough guide.
Your real figure depends on much more than salary. These are some of the things a lender will look at:
- Your income and employment circumstances
- Your existing financial commitments
- Your credit history
- Your available deposit or property equity
- The type and value of the property
- The lender’s affordability assessment and lending criteria
An adviser can look at your full picture and explain which lenders may be suitable.
Want a figure you can rely on?
Speak to an adviser for a more accurate, personal quote. It starts with a free conversation.
Your home may be repossessed if you do not keep up repayments on your mortgage.