Who is lending the money and what sort of mortgage is it.

About your borrowing ability

Calculating exactly how much you can borrow depends on a number of things, such as:

• How much you spend each month on regular commitments
• Whether you're paid a basic salary, a basic salary plus bonus, commission or overtimeIf you're self employed
• The amount of deposit you have
• Your age and whether you are looking to borrow beyond your retirement date

One of the most important factors in determining how much you can borrow is the lender. Each lender has different criteria and as brokers who, last year successfully placed mortgages with 59 different lenders, we are perfectly placed to match the right lender to your borrowing requirements.

What if I need to borrow more?

Sometimes it can be possible to borrow more than the calculator on our website shows you and that's where our expertise comes in. We are sometimes able to arrange higher borrowing by taking your own individual circumstances into account.

* All potential borrowing is subject to affordability checks and credit status

The rate you will pay at the start of your mortgage.

Your monthly payment when your mortgage starts, based on the loan amount you entered.

The total of the lender's booking, arrangement and valuation fees.

The annualised cost of this mortgage.