How Much Can I Borrow?

Whether you're looking for a residential or buy-to-let mortgage in the UK, we're here to help you understand the numbers.

Please Note: The results provided by our calculators do not constitute a formal mortgage offer.

Residential Lender Multiplier Calculator

 

Lenders typically limit the loan-to-income ratio at around 4.75 times your annual income (though some lenders may offer slightly higher multipliers). They typically will use 100% of your salaried income and usually around 50% of any bonuses or overtime earned. Some may also consider any rental income you earn and even pension income.

All mortgage lending will be subject to you having a healthy credit rating.

Important! Keep in mind that lenders will also evaluate your monthly outgoings, including any loan agreements, credit card repayments, child maintenance payments, student loans, school fees and other bills to determine how much they are prepared to lend.

Lower Borrowing Estimate (×3.25) £0
Upper Borrowing Estimate (×4.75) £0

Please Note: This is not a quotation under the Consumer Credit Act.

Figures are subject to proof of income, credit checks and a property survey valuation.

Ready for personalised advice?

Our online calculators are a great starting point, but for a truly accurate and personalised mortgage solution, speak to our expert advisors. We'll help you navigate the complexities and find the best mortgage for your needs.