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A great place to start when thinking about buying a home, is finding out how much you may be able to borrow. You can use our 'how much I can borrow' mortgage calculator to get an idea of what we might lend to you. All you need to do is answer a few questions about your income and how much you spend.
While this isn’t a full mortgage affordability calculator and is only a guide, it'll help you plan ahead and understand what might be affordable for you before you apply. The amount shown is an estimate, not a guarantee, but whether you're a first time buyer, moving home or remortgaging, it can help you feel more confident as you explore your mortgage options.
Please note: This information does not contain all the details you need to choose a mortgage. You'll need to get an Illustration before you decide. All figures provided by our 'How much can I borrow' mortgage calculator are an estimate only. Please get in touch with us to talk through your needs in more detail.
Your home may be repossessed if you do not keep up repayments on your mortgage.
When you apply for a mortgage, lenders will assess how much you can borrow based on your affordability. That means, as well as your income and regular outgoings, they’ll also consider your deposit, any existing commitments like debts, and how changes to interest rates could affect your monthly payments. It’s all about making sure your repayments feel manageable for you, giving you peace of mind that you can afford the mortgage now and in the future.
You can read more about mortgage affordability and what lenders look at when approving your mortgage in our mortgage guides.
To get a better understanding of how much we may be able to lend to you, you’ll need to contact us and get a decision in principle.
Before you start your mortgage application, find out if you meet our minimum lending criteria.
Check mortgage eligibilityCompare our mortgage range and see what your monthly payments could look like.
Compare mortgage optionsLenders don’t just look at your income and regular outgoings when they assess how much you can borrow. They also look at:
It’s about making sure your repayments feel manageable and comfortably fit into your life without stretching you too thin. This helps give you peace of mind that you can afford the mortgage not just today, but for years to come.
Our mortgage calculator can give you a rough idea of how much we’ll be able to lend to you. To get a more accurate figure, you’ll need to contact us and get a decision in principle.
No, our online mortgage calculator won’t affect your credit score. We don’t do any credit checks at this stage as the calculator just gives you an idea of what you could borrow. If you apply for a mortgage with us, we'll then do a full credit check, which may impact your score.
There are a few things that lenders look at that will determine how much you can borrow for a mortgage, such as:
Our mortgage calculator can give you a rough idea of how much we’ll be able to lend to you. To get a more accurate figure, you’ll need to contact us and get a decision in principle.
Now you've got an idea of what you might be able to borrow, it's time to check your eligibility and explore your mortgage options. When you're ready to apply, get in touch and one of our mortgage advisors will be able to talk you through what's next.
Whether you have a question or are ready to take the first step, we're happy to help.
0345 241 3785 8:30am to 6:00pm Monday to Friday
8:30am to 12:30pm on Saturday
You can also request a call back or visit us in branch.
