How much
can I borrow?

Mortgage borrowing calculator

Find out how much you could borrow for your mortgage with our calculator - just enter your income below.


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What this means

The amount you could borrow is based on your income increased by a multiplier. Lenders traditionally offer an amount between four and five times your income, though in some cases they may offer more or less than this.

If you are borrowing with a partner there are a few ways a lender might combine your incomes. They may add both together and use a lower multiplier, or multiply the larger income and add the smaller on top.

Note that this calculator should be used as a guide and factors other than income will influence the amount you’ll be offered, such as existing debts and your spending habits.