We can help you get the mortgage you need for the home that you want

Frequently Asked Questions

All your popular questions answered: what is a mortgage?, how much can I borrow?, etc

Frequently asked questions

Remortgage | Mortgage | Self Certification | Buy to Let | First Time Buyer

How much can you borrow?

The following information is designed to give you a rough guide as to how much you may be able to borrow. The actual amount you are able to borrow will depend on the lender and your circumstances. In some cases we may actually be able to help you to borrow more.

For single applicants multiply your annual income by 3.75, e.g. 30,000 annual income multiplied by 3.75 = 112,500

For joint applicants you can calculate the amount you can borrow in two ways:

  1. Multiple the first annual income by 3.75 and then add the second annual income to it, e.g. 30,000 multiplied by 3.75 plus 20,000 second annual income = 132,500
  2. Add both annual incomes together and multiply them by 2.75, e.g. 30,000 plus 20,000 multiplied by 2.75 = 137,500

These multiples are typical of high street banks and building societies but they can vary dependent on your circumstances.

Complete the No Obligation Enquiry Form below to get the ball rolling.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

No Obligation Enquiry Form

The first step to understanding your mortgage requirements is to simply fill in your details above and click the submit button. There is no obligation and no credit search will take place at this stage. Alternatively, you can call us on 0800 345 7550 (free phone). Please complete all fields marked with an asterisk*.

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    Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.


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