Borrow Amount Calculator
Find out how much a UK lender is likely to lend you — based on your income, outgoings, and deposit. The figure to test before you offer.
How the numbers land.
Three steps from input to a figure you can plan around.
Enter your income
Gross annual salary, partner income if you're buying jointly, regular outgoings, and your deposit.
See your ceiling
Maximum borrowing at typical 4–4.5× income multiples, plus an indicative property price you could offer on.
Test it with a broker
Specialist lenders stretch further on strong cases. A broker matches your profile to the lenders that will say yes.
Get a quote
Key figures behind this calculator
4–4.5×
Standard income multiple
5%
Minimum deposit
90+
UK lenders
5.5×+
Specialist stretch
What we assume.
Every calculator is a model. Here's where ours rounds, simplifies, or hands the detail to a real adviser.
Standard income multiples
Calculator uses 4–4.5× combined income. Specialists may stretch beyond that on strong profiles; high-LTV cases may pull below.
No specific lender criteria
Stress tests, age caps, employment type, and credit profile all change the real number. The figure here is a planning ceiling, not a decision in principle.
No credit search
Using the calculator doesn't affect your credit score. An AIP uses a soft search; a full application uses a hard search.
Outgoings reduce affordability
Existing debt, childcare, and committed monthly costs all eat into the figure. Clearing a small credit card before applying can lift the ceiling.
Frequently asked.
Most start with an income multiple — typically 4 to 4.5x annual income — then stress-test affordability against your committed outgoings, credit profile and deposit. Specialists may stretch further on strong cases.
Still got a question we haven't answered?
Talk to an adviserMore to figure out.
Browse all calculatorsFrom figure to offer.
Calculators give you a useful estimate. The real number depends on your full circumstances, credit profile, and the lender that ultimately approves the case. Our CeMAP-qualified advisers compare 90+ UK lenders and translate the borrow amount calculator into a deal you can actually take.
No-obligation chat
Book a call — we'll discuss your situation and what you're trying to achieve, no commitment.
Higher approval confidence
Our brokers know which lenders suit first-time buyers, remortgagers, buy-to-let, and complex cases.
Service that performs
Clear communication, realistic timelines, and the right product — not just the lowest headline rate.