How much could you borrow?
Get an instant estimate of your maximum mortgage based on your income, deposit and outgoings. It's a starting point — when you're ready, we'll search 190+ lenders to find the deal that fits.
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Loans, credit cards, car finance
You could borrow up to
£202,500
Property price
£242,500
Loan to value
84%
Based on an indicative income multiple of 4.5x. Actual lender decisions depend on credit history, outgoings, deposit source and other affordability checks. For an accurate figure, speak to an adviser.
How the borrowing calculator works
UK lenders typically offer between 4 and 5 times your annual income, depending on affordability, credit history and the size of your deposit. This calculator uses an indicative multiple of 4.5x as a sensible starting point, then deducts the annual cost of any existing monthly debts.
The figure shown is an estimate, not a mortgage offer. Lenders weigh childcare costs, dependents, student loans, the property type and many other factors. For a tailored view, request a free initial quote and we'll talk you through what you can realistically achieve.
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