How much can I borrow?

Before you head off house hunting, it’s a good idea to know what your price range could be. To find out, simply enter your income and expenditure details below and see how much you might be able to borrow.

Of course, you should check that the monthly repayments are affordable for you. Our handy budget checker can help.

If your mortgage will take you into retirement and/or beyond your 75th birthday, we may still be able to help. Talk to us today to arrange an appointment with one of our Mortgage Advisers.

Please note that a maximum limit of 4.49 times loan to income will be applied as standard to any loan request


The amount of Child Dependents under 5 years old is more than the amount of Child Dependents (total).

Income - Applicant One

The total household income must be a minimum of £30,000.

Income - Applicant Two

Please amend the Number of Applicants or remove the Salary for Applicant Two.

Outgoings - Applicant One

Outgoings - Applicant Two

Loan Details

The minimum Total Loan Amount allowed is £30,000.
The maximum Total Loan Amount allowed is £1,000,000.

The minimum term is 5 Years. The maximum term is 40 Years.

Please note:
This is an illustration only to give you an indication of what you may be able to borrow.


Operational Matrices

Household Type
Income Band
Base factor

Operational Mechanics

Factor Modifiers
Ultimate Factor in use
Gross Debt Servicing Funds
Net Debt Servicing Funds
Calculation Rate
Interest-only modifier in use
Income Splitter
Applicant 1 total income (SHOWN)
Applicant 1 total income (USED)
Applicant 2 total income (SHOWN)
Applicant 2 total income (USED)


Error App
Error Kids
Errors Loan
Error Term