Mortgage Calculator

How much you can borrow will depend on your individual circumstances and the criteria of the lender. Each lender carries out an affordability assessment, which typically considers: your income (such as salary, overtime, bonuses, commission, or benefits), your existing financial commitments (including credit cards, loans, finance agreements, or store cards), your regular outgoings (for example childcare costs, travel, utilities, and household bills), your deposit or equity (how much you’re putting down upfront), and your credit history and credit score. If you’re applying with another person, most lenders will usually assess your combined income and commitments to help determine the borrowing amount. As an independent mortgage advisers, we can compare options across a wide range of lenders to find out what you may be eligible for and which deals best match your situation. Our mortgage calculators can give you a helpful guide, but for a more accurate figure, we recommend arranging an Agreement in Principle (AIP). Lenders will also check that your mortgage remains affordable if interest rates increase, helping to ensure repayments stay manageable.

When assessing your mortgage affordability, lenders will normally ask for proof of your income and information about your day-to-day living costs. If you earn in a foreign currency, we may still be able to include this in your affordability calculation, including US dollars, euros, Australian dollars, Indian rupees, and Swiss francs. Lenders will also complete a credit check to help confirm the mortgage is affordable and that repayments can be maintained. At this stage, they may request documents such as proof of identity, address, income, and anything else that supports your application. Our mortgage calculators offer a rough estimate of what you could borrow, they’re free to use and won’t affect your credit score.

No, our free online mortgage calculators won’t affect your credit score. We don’t do any credit checks at this stage as the calculators just give you a general idea of what your repayments could look like for you. If you apply for a mortgage with one of our mortgage advisers, we will then do a full credit check, which may impact your score.

All of our easy-to-use calculators provides a helpful estimate based on your input of financial details. While it uses standard mortgage lending principles, the actual amount you can borrow will depend on more detailed affordability assessments conducted by lenders, including credit checks and individual circumstances. The calculator should be viewed as a guide, and speaking directly to a local mortgage adviser will give you a more tailored figure.

Yes! Working with a local mortgage adviser can make the process quicker, clearer, and far less stressful. As independent mortgage brokers, we can compare options across a wide panel of lenders, including specialist deals that aren’t always available on the high street. We’ll be with you from start to finish, helping you find the right mortgage and supporting you through the full application process. Whether you’re a first-time buyer, self-employed, or have more complex circumstances, we’re here to help you move forward with the right solution.