Free Mortgage Calculator
Use our Mortgage Calculator to show your monthly payments for your mortgage. Adjust the term and percentage rate to see the savings you can make.
Search for a competitive mortgage quote
Not all mortgages are directly available to members of the general public. Independent mortgage advisor's have access to the entire mortgage market. Use the form below to search for the best mortgage for your needs.
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How much can I borrow?
The amount that can be borrowed is at the lenders discretion. Typically the amount is up to three and half times the main earners income before tax, plus one times any second earners income, or alternatively two and a half times their joint incomes if this is larger.
Some lenders have moved towards affordability measures that take into account other circumstances such as other debts or whether the borrower has dependents.
How much can I afford?
It is worth noting that interest rates can rise so it is best not to borrow up to the limit of the amount you can borrow.
Calculate how much income you have and subtract what you spend. Ignore any payments that would stop if you owned your own home (rent etc) but include any new costs (rates, travel costs, insurances etc).
Use the mortgage calculator to work out the effect of interest rate fluctuations.
Get detailed information from lenders before agreeing to a specific mortgage.
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