Mortgage Borrowing Calculator
This calculator helps you work out how much mortgage you might be able to borrow based on your income.
Sometimes taking out a joint mortgage can increase the amount you can borrow, especially if you both have well-paid jobs. Our mortgage borrowing calculator will provide you with an approximation of how much you’re likely to be able to borrow but please remember this amount will vary from lender to lender and will also depend on things like your monthly credit commitments. It is important to understand how much you can afford so that you are comfortable with the payments, not just now but also in the long term. Head to our Joint Mortgages page to find out more.
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Important information
This mortgage borrowing calculator is designed to give you a quick idea of the likely mortgage amount you can borrow based on your perceived affordability. However, this amount is subject to lots of different things such as your credit history, monthly outgoings and deposit. For a firmer idea it's best to speak to an adviser who can run through your circumstances and help give you a more definitive figure.
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Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Representative example A mortgage of £221,317 payable over 23 years, initially on a fixed rate until 31/05/27 at 2.09% and then on a variable rate of 4.24% for the the remaining 18 years would require 61 payments of £1,010.67 followed by 215 payments of £1,203.92. The total amount payable would be £321,608 made up of the loan amount plus interest (£99,177) and fees (£1,114). The overall cost for comparison is 3.4% APRC representative.
London & Country Mortgages Ltd, Beazer House, Lower Bristol Road, Bath, BA2 3BA is a company limited by shares. Our Companies House number is 1988608. We are also authorised and regulated by the Financial Conduct Authority. Our FCA number is 143002. The FCA does not regulate most Buy to Let mortgages.
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