02/09/2026
How much can I borrow? 🔍
It’s one of the most Googled mortgage questions but an online calculator can only give you a rough idea.
Lenders don’t all assess affordability in the same way. Your income, bonus, overtime, CIS or contract work, credit commitments, dependants, deposit and property type can all change the answer.
That’s why two people earning exactly the same amount could receive very different borrowing figures.
Before you rule out that move or rely entirely on an online calculator let us work out what’s genuinely possible for you
DM us or book a 15-minute chat using the link in our bio.
Your home may be repossessed if you do not keep up repayments on your mortgage.