Affordability Calculator

How much can you borrow?

Lenders typically offer between 4 and 5 times your annual income, depending on your circumstances. Your loan-to-value (LTV) ratio and overall financial profile play a key role. Factors that affect your borrowing power include:

• Employment type — employed, self-employed, contractor
• Credit score — better credit means more options. If yours is low, see our adverse credit mortgages service
• Existing debts — loans, credit cards, and other commitments reduce borrowing
• Deposit size — larger deposits unlock better interest rates
• Monthly spending — lenders review your outgoings

This calculator provides a rough estimate. Whether you're a first-time buyer or moving home, for an accurate assessment based on specific lender criteria, speak to one of our advisers.