Calculator: How much can I borrow?

Calculator: How much can I borrow?
Lenders determine how much they will lend according to their own individual lending criteria. This calculator is designed to give an indication of the amount that is typically available for a person with good credit history and a deposit of 10% or more. Contact us if your requirements are different.

Income
Include basic salary if you are employed along with car allowance if applicable.

If you are self employed, average your last 3 years net profit as declared on your tax return.

Overtime \ Bonus guaranteed
Include monthly overtime and bonuses that form part of your employment contract - in other words, they are guaranteed .

Overtime \ Bonus regular
This is OT and bonuses that you get from time to time but do not form part of your contract, in other words you are not guaranteed to received them.

Credit Card Balances
Balances that you do not pay off every month. You must also include balances on credit cards that attract no interest.

You can exclude anything you intend to pay off before the mortgage commences

Loan Repayments
You should include the total of all monthly payments to personal loans, hire purchase, car loans, catalogues, etc.

You can exclude anything you intend to pay off before the mortgage commences

Call free on 0800 0196626

Calculators

Choose a mortgage calculator

Calculate mortgage payments (loan, rate, term)

Calculate your borrowing potential (income and expenses)

Search Buy to Let Mortgages: how rental income determines what you can borrow

Offset: combine savings + mortgage to reduce your mortgage term

Best Buys

Compare Mortgages

Search First Time Buyer Mortgages

Search Home Mover Mortgages

Search Remortgage Rates

Search Buy to Let Mortgages

Search Adverse Credit Mortgages

Mortgage Guide

Mortgages for people that don't tick all the boxes

Self Certification -do you have erratic income?

Adverse Credit - have you had credit problems?

Lifetime Mortgages - retired and need to raise income?

Further Information

FAQs

House Price Calculator

Ways to Repay

There are different ways to repay a mortgage

Capital and Interest - the traditional method

Interest Only - keep your payments down

Endowment Mortgages

ISA Mortgages - potential to repay your mortgage sooner

Pension Mortgages - built in retirement planning

Offset Mortgages - an excellent way to reduce your term

What about the interest rate?

Fixed and Capped Rates

Tracker and other Variable Rates

First Time Buyer

First Time Buyer

I don't have a deposit, can I get a mortgage?

Can I buy with my friends?

Key Worker Schemes

Stamp Duty - Disadvantaged Area Search

Remortgage

Remortgage

Change lender to get a better mortgage deal

Increase my mortgage for home improvements

Make my debts more affordable

Buy to Let

Buy to Let

How many mortgages can I have?

What lending criteria must be met?

Is buy to let a good idea?

Insurance

Protect yourself from the unexpected

Unemployment - How long would your income last?

Unemployment - how much from the state?

Death - don't leave your family with a mortgage they can't afford

Critical Illness - lump sum insurance

Illness - Insurance that provides a regular income

Conveyancing

Legal Services when buying a house

Will Writing

Not made a Will? Think again!

Why should I write a Will?

I'm interested in your free Will service

Live Person click to chat

Mortgages-Online: awarded 2nd place best online mortgage adviser 2007

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE SECURED ON IT

Mortgages-Online Ltd
19 Weekday Cross
The Lace Market
NG1 2GB

RSS News feeds

Get the latest headlines in one place, as soon as it's published, without having to visit the websites you have taken the feed from.

Click the link to access the full news archive or click here for instructions on how to add newsfeeds

close window

Back to homepage