Borrow Amount
Calculator
Find out how much you could borrow based on your income and circumstances. Get a realistic view of your borrowing potential. Check your LTV ratio with our LTV calculator on this page.
90+
Lenders Compared
Instant
Results
100% Free
No signup required
How this calculator works
Enter your income, regular outgoings and deposit (or existing equity). The calculator applies typical UK affordability multiples and stress rates to estimate how much you could borrow for a mortgage. Results are indicative; actual lending depends on lender criteria, credit history and property type.
Borrow Amount Calculator
How Much Can You
Afford to Borrow?
Lenders typically calculate how much you can borrow based on a multiple of your annual income — usually between 4 and 4.5 times your salary. However, this can vary depending on your circumstances, the lender, and current market conditions.
Your borrowing capacity is also affected by your existing financial commitments. Lenders will assess your outgoings including credit cards, loans, childcare costs, and general living expenses to ensure you can comfortably afford the repayments.
Borrowing at a glance
4–4.5x
Income multiple
Standard lender calculation
5–10%
Minimum deposit
Depends on lender and product
90+
Lenders
Compared through Clearview
Equity release and remortgaging
Our borrow amount calculator can be used by existing homeowners who are remortgaging and want to release equity or borrow extra. The additional borrowing is factored into the calculations and reflected in the new loan-to-value (LTV) ratio and repayments it outputs.
LTV caps for equity release
- Max LTV 75–85%
- E.g. funding a second property purchase
- Max LTV around 90%
- Renovating or extending your property
- Max LTV 60–85%
- May also have maximum borrowing caps
Speak to an Expert
Our calculators give you a useful estimate, but your actual mortgage and protection options depend on your full circumstances, credit history and lender criteria. Clearview Mortgage Solutions’ FCA regulated—our CeMAP-qualified advisers are on hand to explain how each calculator applies to you and to help you compare real mortgage quotes from 90+ UK lenders.
Get the right mortgage first time
90+ UK lenders · 10,000+ products
Speak to a mortgage adviser today
FCA-authorised, CeMAP-qualified. Free, no-obligation consultation.
Instant comparison from 90+ lenders. No obligation.
Clearview Mortgage Solutions
Get in contact
That's you!
Would recommend
84%
First visit
16%
Higher approval confidence
90+
UK lenders
10,000+
Products
Of our clients get the right mortgage first time
We focus on clear communication, realistic timelines and finding the right product, not just the lowest headline rate.
Get your mortgage quote
Instant comparison from 90+ lenders. No obligation.
Speak to a mortgage adviser today
FCA-authorised, CeMAP-qualified. We'll find the right product for your situation.
Speak to us
Get in contact for expert mortgage advice
Calculate Your
LTV Ratio
Understanding your loan-to-value ratio helps you find the best mortgage rates. What is LTV? →