How Much Can I Borrow?

We used to have a calculator to help people work out "How Much Can I Borrow?" however it is pretty much obsolete nowadays. Pre-Credit Crunch Banks and Building Societies used to allow the maximum loan based on a simple multiple of income, however as their mortgage lending criteria has tightened up it is no longer that simple.

The best thing to do now to know for sure exactly how much you could borrow, is to talk to a mortgage broker and ask for a quick quote.


Our enquiry service is free to use and there's no obligation, so just fill out the form and we'll do the rest.

There are more factors to consider than just a simple income calculator. Affordability is a very big factor, do you have loans etc to pay besides the new mortgage that you are looking for? If not you will be able to borrow more.

If you have a chat with one of our qualified mortgage advisers they will be able to advice you of your options and choices regarding a mortgage.

It is also possible to borrow above these limits if you have a large deposit for the property purchase or a lot of equity in your property for a remortgage. 10 -25% is a great boost to your borrowing capacity as it reduces the lenders risk.

Young professionals who are currently practicing in the following occupations, Doctor, Dentist, Optician, Pharmacist, Vet, Solicitor, or Accountant can also borrow in excess of these amounts.

If you are interested in buying a property or are looking to remortgage your existing home and would like to discuss this with a mortgage adviser then please complete the relevant enquiry form.

How Much Can I borrow?