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First time buyer mortgage calculators

Getting on the first rung of the property ladder isn’t always easy, but our first-time buyer mortgage calculators are designed to help you get started.

When you start looking for your first home you’re bound to have lots of questions like ‘how much can I borrow?’, and ‘how much will it cost?’ These mortgage calculators will give you a good idea of borrowing amounts and costs. To find out more, you can contact one of our expert mortgage advisers to get a complete picture of where you stand and what to do next.

They can talk you through which deals you’re likely to be eligible for and can advise you whether you might qualify for any government first-time buyer schemes.

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See how much you can borrow on a mortgage

£
We've calculated this from our average customer
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£
We've left this blank, but add in your partners income if relevant
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Enter the values above to calculate how much you can borrow

Your results
You could borrow up to:
Up to £X

About your borrowing ability

Calculating exactly how much you can borrow depends on a number of things, such as:

  • How much you spend each month on regular commitments
  • Whether you're paid a basic salary, a basic salary plus bonus, commission or overtimeIf you're self employed
  • The amount of deposit you have
  • Your age and whether you are looking to borrow beyond your retirement date

One of the most important factors in determining how much you can borrow is the lender. Each lender has different criteria and as brokers who, last year successfully placed mortgages with 59 different lenders, we are perfectly placed to match the right lender to your borrowing requirements.

What if I need to borrow more?

Sometimes it can be possible to borrow more than the calculator on our website shows you and that's where our expertise comes in. We are sometimes able to arrange higher borrowing by taking your own individual circumstances into account.

* All potential borrowing is subject to affordability checks and credit status

Next see the deals you qualify for

What will my monthly mortgage repayments be?

£
This value has been customised for you
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yrs
Loans are typically over 25 years, so we've defaulted to that for you
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%
This value has been customised for you
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Enter the values above to calculate how much your mortgage will cost

Your results
Your monthly payment will be:
£X
Assuming interest rates stay the same
The total amount you will pay over the term is:
£X
Made up of £X capital and £X interest.
Next see the deals you qualify for
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Online mortgage calculators

You'll find all of our easy to use mortgage calculators here.

How can we help you?

The UK’s award-winning fee-free mortgage and insurance experts - by your side when it comes to buying and remortgaging.

First time buyer

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Buying a home

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Remortgage your home

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Buy to Let

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