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How much can I borrow?

What you can borrow can vary greatly from lender to lender, with each having their own way of calculating your maximum loan size.

Factors that can affect your borrowing capacity include:

  • Your income
  • Any debts that you have
  • Your outgoings
  • The number of children that you have
  • Deductions on your pay slips for pensions or travel

The number of years that you wish to pay the mortgage over will also have an effect.

Our borrowing calculator is here to give you an initial idea of the amount you can borrow. But, to get a more accurate figure and to find out the monthly repayments, you should call us on 0800 6128099.

We know from experience which lender is suited to any given situation.

Click here for our calculator tools

Results are for your general information and use only and are not intended to address your particular requirements. Results should not be relied upon in their entirety and shall not be deemed to be, or constitute, advice. Although endeavors have been made to provide accurate results and timely information, there can be no guarantee that such information is accurate as of the date it is received or that it will continue to be accurate in the future. No individual or company should act upon such information without receiving appropriate professional advice after a thorough examination of their particular situation. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of using this calculator. Thresholds, percentage rates and tax legislation may change in subsequent finance acts. Homeowner Loans: The actual rate available will depend upon your circumstances. If you are seeking a mortgage loan, then you must make a formal application to an appropriate mortgage lender, who will consider your application in accordance with their lending criteria. Mortgage loans are normally subject to a formal valuation of the property and proof of your earnings.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.