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  4. How much could I borrow?

How much could I borrow?

Before you shop around for your new home or a remortgage deal, see how much money you could borrow from us. Our mortgage calculator can help. Simply answer the questions below and we’ll show you what we could lend you.​

1
About you
2
Your result
About you
Your result

About you

Do you want to borrow more money as part of this mortgage?
Will the borrowers named on your new mortgage be the same as those named on your current mortgage?
How many people are applying?

3+ applicants

How many people are you financially responsible for? Don’t include anyone named on the mortgage.

Your income

e.g. basic salary including any employed allowances such as car allowances, London weighting, net profit if self-employed or pension income if retired.
Do you have any other regular income?
e.g. bonus, commission, overtime, Universal Credit, child benefit, tax credits or child maintenance.
e.g. child benefit or tax credits.

Second applicant's income

e.g. basic salary including any employed allowances such as car allowances, London weighting, net profit if self-employed or pension income if retired.
Does the second applicant have any other regular income?
e.g. bonus, commission, overtime, Universal Credit, child benefit, tax credits or child maintenance.
e.g. child benefit or tax credits.

Your outgoings (for all applicants)

Don’t include any personal or household spend as we’ll take averages into account when we consider lending to you.

Don’t include credit cards that have been repaid in full each month for the last 6 months.
Enter any outstanding loans, hire purchase or credit agreements. Don't include credit cards.
Only enter costs you wouldn't want to stop such as life insurance, childcare, school fees or costs for other properties you may own.

Other details

Your equity is the value of your home less any mortgage balance outstanding on it.

Important information

This calculator is for illustrative purposes only. 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Applications are subject to status and lending criteria. Applicants must be UK residents aged 18 or over. The amount we will lend depends on your circumstances, the amount borrowed and the property. A higher deposit may be required for a flat or new build.