Check how much you can borrow for a mortgage

We’ll show you how much each mortgage lender will lend to you

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Why aren’t all lenders giving me the same amount for my mortgage?

In a nutshell? Mortgage lenders have different attitudes to risk and therefore have different criteria when assessing how much they’re willing to lend to you.

In the past, mortgage lenders based the amount you could borrow on a multiple of your income. This is no longer the case and that’s why simple calculators that only use an income multiple are not very accurate.

Now, lenders must also assess what level of monthly payments you can afford, after taking into account various personal and living expenses as well as your income. This is called an affordability assessment. The way lenders do this assessment changes from lender to lender.

Our tech assesses the main high-street lenders’ affordability criteria so that you can find out, in one go, how much each lender could lend to you.

Keep in mind that affordability is only one part of a lender’s underwriting process and they will look at a number of criteria (e.g. your property, credit history) to determine whether they’re willing to lend to you. To help find the most suitable mortgage options for you, get in touch with one of our dedicated mortgage brokers.

Explain to me in more detail

See how much banks will lend to you

Our tech assesses the main high-street lenders’ affordability criteria so that you can find out, in one go, how much each lender may lend to you.

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