★★★★★ 1,650 Feefo reviews · Exceptional Service Award 2026
★★★★★ 1,650 Feefo reviews · Exceptional Service Award 2026
Free affordability calculator
Get an indicative idea of how much you could borrow based on your income. It takes seconds and there is no obligation. For a precise figure tailored to your circumstances, talk to one of our advisers. Subject to lender criteria and affordability.
*For illustration purposes only
You could borrow up to
£0
This is an indicative figure based on typical lender criteria. The amount you can borrow depends on your circumstances, credit history and affordability.
Want a same-day indicative quote? Talk to our experts.
020 8517 1141Your home may be repossessed if you do not keep up repayments on your mortgage. Figures are for illustration only and are not a mortgage offer.
It is even easier when you talk to us
Get a free, same-day indicative quote tailored to your circumstances. Speak directly to one of our specialist advisers and begin your process today.
It depends on a few things. Your income, your outgoings, your credit profile, the size of your deposit, and the lender you end up with all play a part, since every lender calculates affordability slightly differently. Our calculator gives you a helpful starting figure based on the details you enter, and we will talk you through the full picture once we know a bit more about your situation.
Lenders look at your income against your regular outgoings to work out what you could comfortably afford each month, then apply their own affordability rules on top. This is why the same person can get a different answer from different lenders. We know which lenders tend to be more generous for which situations, and that is where our advice comes in.
No, and we would rather be upfront about that than tell you what you want to hear. This tool gives you an indicative figure based on the information you provide. The final amount you can borrow is always subject to full underwriting, credit checks, and the individual lender’s criteria.
Buy to let affordability usually works differently to a residential mortgage, since lenders often base it on the rental income the property is expected to achieve rather than your personal salary alone. As buy to let specialists, this is exactly the kind of calculation we help clients get right, whether it is a first rental property or an addition to a large portfolio.
Income and outgoings are the starting point, but deposit size, credit history, employment type, and even the type of property you are buying can all shift the number. If you are self employed, a company director, or newly self employed, this is worth talking through with us directly, since not every lender treats these situations the same way.
Your home may be repossessed if you do not keep up repayments on your mortgage.
