How much might I be able to borrow?

Use this as a starting illustration—not a lending decision. Actual affordability can be higher or lower depending on the lender, commitments, term, deposit, credit history and income type.

Main annual incomeSecond annual incomeAvailable deposit

Illustrative borrowing range£180,000 – £202,500

With your deposit, that could indicate an illustrative property budget of approximately £210,000 – £232,500.

Why the real answer can be different

Online calculators usually apply a simple income multiple. Lenders assess much more detail, and two lenders can produce very different figures from the same information.

Loans, credit cards, childcare and other commitments
Basic salary, overtime, bonus or commission
Self-employed profit, salary and dividends
Mortgage term, age and retirement income
Deposit, property and credit history

Get a personalised assessment

This calculator provides a broad illustration only and is not a mortgage offer, recommendation or guarantee of borrowing. A full affordability and eligibility assessment is required.