Borrowing calculator
How much could I borrow?
Enter your income to see a rough guide to what lenders may consider. It takes less than a minute and doesn't affect your credit score.
Annual basic income (£)
45000
Annual variable pay, bonus/commission (£)
0
4.5x income
£0
5x income
£0
5.5x income
£0
6x income
£0
For illustration only. How much you can borrow depends on your full circumstances, credit history, deposit and the lender. Not all lenders offer 6x income multiples — these are typically reserved for higher earners or specific professions.
Talk to an adviserMore calculators
Our calculators are for illustration only. They don't take your full circumstances into account and aren't a mortgage offer or personal advice.
Affordability
What lenders look at
Income is only part of the picture. These all affect what a lender may offer you.
Your income
Salary, bonuses, overtime and self-employed income are each treated differently.
Your outgoings
Loans, credit cards, childcare and other commitments can reduce what you may borrow.
Your credit history
Lenders check how you've managed credit before. Past issues don't always rule you out.
Deposit and property
A bigger deposit could widen your choice, and the property itself must suit the lender.
Borrowing questions
Want a figure based on your circumstances? Book a free consultation.
How accurate is this calculator?
It gives a rough guide based on income multiples. Lenders also run their own affordability checks, so the amount you may be able to borrow could be higher or lower.
Do lenders count bonuses and overtime?
Many do, but often only part of it, and usually if it's regular and you can show a track record. We'll find lenders that may treat your variable pay more favourably.
Can I borrow more than 4.5 times my income?
You may be able to. Some lenders offer higher income multiples to higher earners, certain professions or first-time buyers, subject to criteria.
Will this affect my credit score?
No. The calculator doesn't run a credit check, so using it won't affect your credit score.
How much does mortgage advice cost?
Fees vary depending on your circumstances - get in touch and we'll explain any costs clearly before you proceed. Your first consultation is free and there's no obligation.