How much could I borrow?

Before we (or any lender) can give you a mortgage, we need to make sure you can afford to pay it back. Our mortgage calculators are designed to help you understand how much you could borrow and afford to repay. They are for illustrative purposes only and don't provide all the information you need to choose a mortgage.

  1. You can use our affordability quick check to do a high level calculation in a few seconds
  2. Our affordability calculator can give you an idea of what you could afford and what we might be able to lend you based on your income and outgoings.
  3. When you've found a house you want to buy, its worth getting a Decision in Principle (DIP) for an indication as to how much you could borrow. Many sellers or estate agents will ask to see your DIP as assurance that you can get a mortgage.

Affordability Quick Check

Get an idea of how much you might be able to borrow in seconds.

Quick Check
Affordability Calculator

Affordability calculator

Work out how much you might be able to afford to borrow, based on your income and outgoings

Affordability Calculator

Decision in Principle (DIP)

Ready to make an offer on a property? Request a Decision in Principle

Getting a DIP
Your home may be repossessed if you do not keep up repayments on your mortgage.
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