See how much you might be able to borrow and what it could cost monthly. Based on how mainstream lenders actually assess affordability — income, commitments, and your overall financial picture.
Fill in the details below to get an indicative borrowing range. We've based the logic on how a number of mainstream lenders assess affordability, so the figures should be reasonably representative of what you'd be offered.
1
Application details
Solo or joint, and a few key details
2
Income
Gross annual figures before tax
Applicant 1
Employed or self-employed — include salary, dividends, net profit, bonus, overtime, commission or any other regular income
£
Applicant 2
Employed or self-employed — include salary, dividends, net profit, bonus, overtime, commission or any other regular income
£
3
Monthly commitments
Combined total for all applicants
Car finance, personal loans, hire purchase, student loans
£
We'll calculate the monthly commitment
£
£
Maintenance payments, ground rent, service charge
£
Based on the details provided, a mainstream lender might offer approximately:
Estimated borrowing range
—
On a 5 year fixed rate you may be able to borrow slightly more — speak to us for a precise figure.
What would that cost per month?
We've pre-filled the borrowing amount below. Adjust the rate and term to see your estimated monthly payment.
£50k£2m
Capital repayment
—
Monthly payment
Interest only
—
Monthly interest only
Total interest (repayment)
—
These figures are indicative only and are not a mortgage offer or agreement in principle. The actual amount you could borrow will depend on a full credit assessment, the specific lender, the property value, and your complete financial picture. Different lenders apply different criteria — some will lend more than this estimate, some less.
Want a precise figure?
We'll go through your full picture and tell you exactly what you can borrow — and which lenders will look at your case most favourably.