Fee-Free Mortgage Advice
A quick, indicative look at how much you may be able to borrow. Takes about 3 minutes.
Don't fill this out if you're human:
To proceed you'll need to agree to our privacy policy. We only use the details you give us to provide your indicative result and to discuss it with you if you'd like.
Is this purchase using any of the following schemes?
Are you applying by yourself or with someone else?
How old is the oldest applicant?
Will any applicant own any other properties after this mortgage starts?
Do you own the property you live in at the moment?
Are you a first-time buyer?
Have you found a property yet?
Where is your deposit coming from? (Enter £0 for any that don't apply.)
Is any of your household income derived from benefits — for example PIP, Universal Credit, Maintenance, DLA, or anything similar?
Employment status
Annual income before tax
Net profit (lenders typically average your last two years)
Annual income
Is Applicant 1 a UK citizen?
Is Applicant 2 a UK citizen?
How many dependants do all applicants have combined?
Monthly costs (enter £0 for any that don't apply)
Do you have any credit agreements (loan / credit card / 0% / PCP / finance / catalogue / other)?
Does any applicant have a student loan?
Are you repaying any debts before obtaining a mortgage?
Has any applicant ever been bankrupt, had a property repossessed, or been subject to an IVA or Debt Management Plan?
Has any applicant within the last 6 years had a CCJ (County Court Judgement) or missed any payments on any credit commitment?
Almost there. Where can we send your indicative result?
Clicking Get my results below will send the details and answers you have provided to our advisers so they can be in touch.
Based on the answers you've given, here's a quick guide. A real Mortgage in Principle takes into account a lot more — that's where we come in.
We arrange buy-to-let mortgages all the time — but this quick calculator isn't the right tool for them. BTL lending is assessed on the property's rental income, not your salary, so these figures wouldn't be meaningful for you. Let's go through it properly.
Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.
We help people buy through schemes like Shared Ownership and First Homes — but this quick calculator can't capture their specific rules, so it isn't the right tool for your situation. A short chat will get you accurate answers.
We work with company directors all the time — but director income is treated differently by every lender, and this quick calculator isn't the right tool to do it justice. Let's work out your real numbers together.
Benefit income — like PIP, Universal Credit, Maintenance or DLA — can absolutely count towards a mortgage, but which lenders accept it, and how much they allow, varies a lot. This quick calculator isn't the right tool for that, so let's work it out with you properly.
Owning more than one property changes the picture — from additional stamp duty to the way lenders assess you — and this quick calculator isn't built for it. Let's work through your options together.
