Mortgage borrowing calculator

Our mortgage affordability calculator helps you to work out how much you might be able to borrow based on your income.

Mortgage affordability is subject to lots of different things, such as your credit history, monthly outgoings and deposit, and it can also vary from lender to lender.

Our mortgage borrowing calculator will provide you with an approximation of how much you’re likely to be able to borrow, however it’s important to make sure you can afford the monthly repayments not just now, but in the future. For more help you can speak to our team for free mortgage advice. They can run through your circumstances to give you a more definitive idea of your mortgage loan eligibility.

See how much you can borrow on a mortgage

£
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£
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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

Important information

This mortgage borrowing calculator is designed to give you a quick idea of the likely mortgage amount you can borrow based on your perceived affordability. However, this amount is subject to lots of different things such as your credit history, monthly outgoings and deposit. For a firmer idea it's best to speak to an adviser who can run through your circumstances and help give you a more definitive figure.

If you complete on a mortgage through L&C, L&C will be paid a commission by the chosen lender. L&C will share a percentage of this commission with the referring third party. The commission L&C receives doesn't affect the product or rate recommended to you.

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