How Much Can I Borrow Mortgage?
Working out how much you can borrow for a mortgage is not always straightforward. Each lender uses its own affordability criteria, which means the amount you are offered can vary. Our mortgage calculator gives you a quick estimate based on your income, helping you understand your potential borrowing range and what factors influence it. You can use this tool whether you are applying on your own or with a partner. Simply enter your annual income and any additional earnings such as bonuses to get an instant estimate.
This calculator is an estimation of how much you could borrow. If you’re ready to take out a mortgage, speak to a Pure Capital broker to see what options are available.
This is an estimate only. Lenders also consider credit history, committed spending, dependants, deposit size, mortgage term, and property type.
The actual amount you can borrow may be higher or lower after a full affordability assessment with a lender.