Mortgage Affordability Calculator
Find out how much you could borrow with our mortgage affordability calculator. It’s completely free, no credit checks required and it only takes a few minutes!
Mortgage affordability
What can you really afford? Start here with straight-talking tools and no-nonsense mortgage affordability guidance.
Your guide to what you can afford.
Do you qualify? Only takes a few minutes, NO CREDIT CHECKS!
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Understand your mortgage affordability
Whether you’re a first-time buyer, remortgaging, or a landlord expanding your portfolio, understanding what you can afford is step one. Use our tools and guides to get answers without the fluff.
Understanding what you can afford
What mortgage can you get with your salary?
One of the main conversations we have with clients is on the subject of what is the maximum they are able to borrow or if they are able to get the amount they wish to borrow.
What can stop you from getting a mortgage?
Regardless of your reason for considering a mortgage, there are a number of criteria that will apply; for some applicants, one or more of these may impact their ability to be approved.
Understanding mortgage types and rates
From fixed to tracker and offset to capped, the type of mortgage you choose can impact your monthly payments and long-term costs. This guide breaks it all down clearly.
What to do if you can't afford to get a mortgage
One of the most common reasons a new individual, family, or someone looking to relocate approaches us for help is that they do not meet a lender’s affordability criterion.
Calculating the repayments on a £150,000 mortgage
Everyone’s circumstances are unique, as are their borrowing needs. Mortgages come in many forms and sizes, and here we focus on a £150,000 mortgage as an example.
Calculating the repayments on a £200,000 mortgage
Even if two people have £200,000 mortgages, their monthly payments can differ because factors beyond the loan amount, like interest rate and term, affect what they pay.
What is the longest mortgage term in the UK?
When it comes to mortgages, there are several aspects to consider, one of which is the overall duration. Certain limits may apply when it comes to your mortgage term.
Getting a mortgage with low income is possible
It is possible to obtain a mortgage with low income. While income is important to mortgage lenders, it is your affordability that will determine your eligibility.
Joint borrower, sole proprietor mortgages
Affordability is crucial not only to determine your eligibility for a mortgage but also to what mortgages are available to you. A JBSP mortgage may be the one for you.
The reality of getting a mortgage 7x your salary
Many lenders will only approve a maximum income multiple of five times income. However, some potential borrowers may qualify for a mortgage 7 times their income.
How much could you borrow?
Fill out a few details to check your mortgage affordability with NO credit checks! Only takes a few minutes.
Mortgage advisors you can really trust
Finding the right mortgage can be overwhelming, but The Mortgage Centres team is here to help. We offer tailored solutions for first-time buyers, remortgages, and investors, guiding you every step of the way.
Let's talk
Our team will aim to get back to you within 24 hours.
0330 0945876 local rate.
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