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How Much Can I Borrow?

Core · /how-much-can-i-borrow

Compare maximum borrowing across 58 UK lenders from your income, deposit and circumstances.

How It Works

Core · /how-it-works

Methodology

Core · /methodology

Pricing

Core · /pricing

About

Core · /about

Contact

Core · /contact

Complete UK Buying Journey

The Buying Journey · /guides/buying-a-home-journey

Pillar guide — 11 stages, typical timelines, and what to do at each.

Buying a Home Checklist

The Buying Journey · /guides/buying-a-home-checklist

Tick-list for all 11 stages — documents, costs, and what goes wrong at each.

Getting Mortgage Ready

The Buying Journey · /guides/buying-a-home-journey/mortgage-ready

Credit file, deposit, clearing debt — 1, 3 and 6-month readiness plans.

Decision in Principle (DIP)

The Buying Journey · /guides/buying-a-home-journey/decision-in-principle

What a DIP is, soft vs hard searches, how long it lasts.

Property Search

The Buying Journey · /guides/buying-a-home-journey/property-search

Viewing checklist, how to read listings, chains explained, red flags.

Making an Offer

The Buying Journey · /guides/buying-a-home-journey/making-an-offer

How low to offer, negotiation tactics, gazumping and gazundering.

How to Apply for a Mortgage

The Buying Journey · /guides/buying-a-home-journey/mortgage-application

Documents, underwriting, valuation, timelines — what really happens when you apply.

Conveyancing Explained

The Buying Journey · /guides/buying-a-home-journey/conveyancing

What your solicitor does, week-by-week, typical fees, red flags.

Exchange & Completion

The Buying Journey · /guides/buying-a-home-journey/exchange-and-completion

Exchange vs completion, completion statement, completion day.

Your First Weeks in a New Home

The Buying Journey · /guides/buying-a-home-journey/first-weeks

Council tax, utilities, insurance, and long-term planning.

Buying a New Build

The Buying Journey · /guides/buying-a-home-journey/new-build

Reservation, incentives, mortgage offer expiry, completion deadlines.

New Build Incentives

The Buying Journey · /guides/buying-a-home-journey/new-build-incentives

What to negotiate, when to push, and how LTV is affected.

New Build Snagging

The Buying Journey · /guides/buying-a-home-journey/new-build-snagging

Room-by-room checklist, NHBC claims, how to escalate.

New-Build Warranties & Lender Rules

The Buying Journey · /guides/new-build-warranties

NHBC, Premier Guarantee, LABC — what's covered and why lenders insist.

New-Build Delays vs Mortgage Offer Expiry

The Buying Journey · /guides/new-build-delay-mortgage-offer-expiry

What happens if your off-plan completion runs later than your offer's expiry date.

How Affordability Is Calculated

Affordability Explained · /guides/how-mortgage-affordability-is-calculated

Income multiples, stress testing, typical borrowing by salary — how lenders decide.

How Do Banks Calculate Affordability?

Affordability Explained · /guides/how-do-banks-calculate-mortgage-affordability

Income multiple first, stress-tested budget second — the lower figure wins. Worked example.

Mortgage Income Multiples Explained

Affordability Explained · /guides/mortgage-income-multiples-explained

The standard 4.49x cap, how lenders reach 5x, 6x and 7x, and how to push yours higher.

Second Job & Side Hustle Income

Affordability Explained · /guides/second-job-mortgage

Of 38 lenders, 28 count second-job income in full, 8 count half, 2 count none.

FCA Mortgage Rule Changes 2026

Affordability Explained · /guides/fca-mortgage-rule-changes-2026

CP26/18 explained — what's proposed for the self-employed, past credit problems, and interest-only.

Will Stamp Duty Be Replaced?

Affordability Explained · /guides/stamp-duty-replacement-budget-2026

What Burnham actually said about the October 2026 Budget, and the real cost of waiting to buy.

How Mortgage Repayments Are Calculated

Affordability Explained · /guides/how-mortgage-repayments-are-calculated

The formula, a worked example, and how rate and term move the payment.

Why Lenders Offer Different Amounts

Affordability Explained · /guides/why-lenders-offer-different-amounts

£50k+ gaps between lenders on the same income — explained.

Lender Income Multiples Compared

Affordability Explained · /guides/lender-income-multiples

4.5× vs 5× vs 5.5× vs 6× — which lenders go where.

Maximise Your Borrowing

Affordability Explained · /guides/maximise-mortgage-borrowing

Term, 5-year fix, clearing debt — the three levers that add the most.

How Deposit Size Affects Borrowing

Affordability Explained · /guides/deposit-size-mortgage-borrowing

Thresholds, LTV tiers, and when a bigger deposit unlocks better rates.

Affordability with Debt

Affordability Explained · /guides/mortgage-affordability-with-debt

Credit cards, loans, car finance — how each affects your maximum.

Mortgage Declined on Affordability?

Affordability Explained · /guides/mortgage-declined-affordability

What to do next — including switching lenders for £50-100k more.

Which Lenders Accept Bonus/Overtime/Commission

Affordability Explained · /guides/which-lenders-accept-overtime-bonus-commission

Full UK lender table with % accepted by each.

Overtime, Bonus & Commission

Affordability Explained · /guides/overtime-bonus-commission-mortgage

How lenders treat variable income and why the choice of lender matters.

DIP Came in Lower Than Expected?

Affordability Explained · /guides/dip-lower-than-expected

Why generic calculators overshoot, and how to recover — with a £98k gap example.

What Lenders Read in Your Bank Statements

Affordability Explained · /guides/what-lenders-read-in-bank-statements

Gambling, overdrafts, payday loans — what actually triggers a decline.

Student Loans & Your Mortgage

Affordability Explained · /guides/student-loans-mortgage-affordability

Why the balance doesn't matter — only the payslip deduction does.

Childcare Costs & Your Mortgage

Affordability Explained · /guides/childcare-costs-mortgage-affordability

How nursery fees change your maximum — and why lenders differ so much.

Pension Contributions & Borrowing

Affordability Explained · /guides/pension-contributions-mortgage-affordability

Which lenders deduct contributions and which add them back.

Interest-Only Affordability & Criteria

Affordability Explained · /guides/interest-only-mortgage-affordability

Income floors, LTV caps, and the repayment vehicles lenders accept.

First-Time Buyer Affordability

Buyer Situations · /guides/first-time-buyer-affordability

What's different for FTBs, stamp duty relief, income multiples.

First-Time Buyer Schemes

Buyer Situations · /guides/first-time-buyer-schemes

Lifetime ISA, First Homes, Shared Ownership, Right to Buy, Freedom to Buy.

Freedom to Buy: 5% Deposit Mortgages

Buyer Situations · /guides/freedom-to-buy

The permanent 95% mortgage guarantee scheme — who qualifies and how.

Is Help to Buy Still Available?

Buyer Situations · /guides/help-to-buy-2026

The scheme is closed — what replaced it for small deposits in 2026.

Shared Ownership Affordability

Buyer Situations · /guides/shared-ownership-affordability

Mortgage + rent + service charge — how the two-stage assessment works.

Contractor & Day-Rate Mortgages

Buyer Situations · /guides/contractor-mortgage-affordability

Day rate × 5 × 46 weeks — why contractors can borrow far more than they think.

Mortgages for High Earners

Buyer Situations · /guides/mortgages-for-high-earners

Income multiples up to 6.5x, professional and private-bank mortgages, bonus and RSU income.

UK Mortgages for British Expats

Buyer Situations · /guides/expat-mortgage-uk

Who counts as an expat, FX haircuts on foreign income, deposit expectations by country.

Joint Mortgage Affordability

Buyer Situations · /guides/joint-mortgage-affordability

How two incomes are combined and what that unlocks.

Joint Borrower Sole Proprietor (JBSP)

Buyer Situations · /guides/joint-borrower-sole-proprietor

Parents on the mortgage, child on the title — no 3% SDLT surcharge.

Gifted Deposits Complete Guide

Buyer Situations · /guides/gifted-deposits

Who can gift, how much, the letter, and inheritance tax rules.

Self-Employed Mortgage Affordability

Buyer Situations · /guides/mortgage-affordability-self-employed

Sole trader, director, contractor — how each is assessed.

Mortgages in Later Life

Buyer Situations · /guides/mortgages-later-in-life

Over-50s, 60s, 70s — standard, RIO, and lifetime mortgages.

UK Mortgages for Foreign Nationals

Buyer Situations · /guides/foreign-nationals-mortgage

Visa holders without ILR — Skilled Worker, Spouse, Global Talent.

Visa Mortgage Requirements & Borrowing

Buyer Situations · /guides/visa-mortgage-affordability

Spouse and Skilled Worker visas — why the LTV cap, not income, sets the budget.

Expat Mortgage With No UK Credit History

Buyer Situations · /guides/expat-no-uk-credit-history

Why your UK file fades abroad, how expat lenders assess without it, and what to keep alive.

Stamp Duty for Expats

Buyer Situations · /guides/expat-stamp-duty

The 2% non-resident surcharge, the 183-day test, and when a refund is possible.

Contractor & Self-Employed Expat Mortgages

Buyer Situations · /guides/expat-contractor-mortgage

Day rates, dividends and retained profit assessed on top of expat criteria.

Expat Mortgage Documents

Buyer Situations · /guides/expat-mortgage-documents

Certified copies, translations and deposit source evidence — the expat paperwork layer.

Which Lenders Accept Benefits?

Buyer Situations · /guides/which-lenders-accept-benefits

Universal Credit, DLA, PIP, and other benefit income.

Which Lenders Accept Contractor Day-Rate?

Buyer Situations · /guides/which-lenders-accept-contractor-day-rate

Day rate × 5 × 46 weeks — the lenders that annualise your rate, and what each needs.

Which Lenders Accept Zero-Hours Contracts?

Buyer Situations · /guides/which-lenders-accept-zero-hours-contracts

NHS bank, care, supply teaching — the lenders that accept zero-hours income.

Which Lenders Accept Agency & Temp Workers?

Buyer Situations · /guides/which-lenders-accept-agency-workers

Supply, locum, umbrella and PAYE agency staff — lenders and continuous-employment rules.

Property Types Accepted by Lenders

Buyer Situations · /guides/property-types-accepted

Non-standard construction, ex-council, above-commercial and more.

Mortgage on Probation — Lender Pool

Buyer Situations · /guides/mortgage-on-probation

Around 30 UK lenders accept probation with a signed permanent contract.

Mortgage on Maternity Leave

Buyer Situations · /guides/mortgage-on-maternity-leave

Which lenders use your return-to-work salary vs SMP — lender-by-lender.

Mortgage After Separation or Divorce

Buyer Situations · /guides/mortgage-after-separation

Buying out an ex, transfer of equity, maintenance as income.

UK Mortgage With Foreign-Currency Income

Buyer Situations · /guides/mortgage-foreign-currency-income

Which UK lenders accept USD/EUR/CHF income and the 10–30% haircut.

100% LTV & Guarantor Mortgages Compared

Buyer Situations · /guides/100-ltv-guarantor-mortgages

Track Record, JBSP, Springboard, Family Assist, Income Booster.

Mortgage After an IVA

Buyer Situations · /guides/mortgage-after-iva

Timelines, deposit tiers, and the lenders that consider completed IVAs.

Mortgage After Bankruptcy

Buyer Situations · /guides/mortgage-after-bankruptcy

How soon after discharge you can borrow — and from whom.

Mortgages With a Debt Management Plan

Buyer Situations · /guides/mortgage-with-debt-management-plan

Active and completed DMPs — acceptance, affordability impact, deposits.

Should I Pay Off My Default?

Buyer Situations · /guides/should-i-pay-off-my-default

Satisfied vs unsatisfied — how many more lenders open up, with real counts.

Should I Pay Off My CCJ?

Buyer Situations · /guides/should-i-pay-off-my-ccj

The one-month removal rule, satisfied vs unsatisfied, and what actually changes.

Check Eligibility Without a Credit Check

Buyer Situations · /guides/check-mortgage-eligibility-without-credit-check

Soft vs hard searches, what leaves a footprint, and how to see your borrowing range with no search at all.

Which Lenders Use Retained Profit?

Buyer Situations · /guides/which-lenders-use-retained-profit

Named lenders for salary + net profit vs dividends, and the short list that counts balance-sheet reserves.

Deposit Needed With Bad Credit

Buyer Situations · /bad-credit-deposit-calculator

The deposit you realistically need with each type of credit issue, based on live lender criteria.

Bad Credit Mortgage Calculator

Bad Credit & Adverse Mortgages · /bad-credit-mortgage-calculator

Which lenders accept defaults, CCJs, DMPs, IVAs and bankruptcy — and at what borrowing level.

Mortgage with a CCJ

Bad Credit & Adverse Mortgages · /bad-credit-mortgage-calculator/ccj

Which lenders accept County Court Judgements, and the deposit and age rules.

Mortgage with Defaults

Bad Credit & Adverse Mortgages · /bad-credit-mortgage-calculator/defaults

Satisfied vs unsatisfied defaults — real lender criteria and deposit tiers.

Mortgage with Missed Payments

Bad Credit & Adverse Mortgages · /bad-credit-mortgage-calculator/missed-payments

Mortgage arrears vs missed unsecured payments — what lenders allow.

Bankruptcy Mortgage Lenders

Bad Credit & Adverse Mortgages · /bad-credit-mortgage-calculator/bankruptcy

Which lenders accept discharged bankrupts, by years since discharge.

Mortgage With an IVA

Bad Credit & Adverse Mortgages · /bad-credit-mortgage-calculator/iva

Active and completed IVAs — lender criteria, timeframes and LTV caps.

Mortgage with a DMP

Bad Credit & Adverse Mortgages · /bad-credit-mortgage-calculator/dmp

Active or completed Debt Management Plans — acceptance and affordability impact.

Selling Your Home

Sellers & Movers · /guides/selling-your-home

Valuations, estate agent fees, chain management, sell first vs buy first.

Property Chain Explained

Sellers & Movers · /guides/property-chain-explained

How chains work, why 25-30% of sales fall through, how to protect yourself.

Porting Your Mortgage

Sellers & Movers · /guides/porting-your-mortgage

Keep your rate when moving — how it works, top-up rates, ERC refunds.

Let-to-Buy

Sellers & Movers · /guides/let-to-buy

Keep your current home as a rental while buying a new residence.

Remortgage Affordability

Sellers & Movers · /guides/remortgage-affordability

How remortgaging works and when to do it.

Moving House Checklist

Sellers & Movers · /guides/moving-house-checklist

Week-by-week timeline from mortgage agreement to moving day.

Mortgage Affordability in 2026

Sellers & Movers · /guides/mortgage-affordability-2026

Latest base rate, LTI limits, and stress testing changes.

Buy-to-Let Affordability

Buy-to-Let & Landlords · /guides/buy-to-let-mortgage-affordability

ICR, stress rates, portfolio landlord rules.

BTL: Limited Company vs Personal Name

Buy-to-Let & Landlords · /guides/buy-to-let-limited-company-vs-personal

Section 24, ICR stress differences, SPV lenders — which structure wins.

First-Time Landlord Mortgages

Buy-to-Let & Landlords · /guides/first-time-landlord-mortgage

Criteria, deposits and rental cover when you've never let before.

HMO Mortgages

Buy-to-Let & Landlords · /guides/hmo-mortgage

Licensing, specialist lenders, and how HMOs are valued.

Holiday Let Mortgages

Buy-to-Let & Landlords · /guides/holiday-let-mortgage

Seasonal income assessment and the end of the FHL tax regime.

Renters' Rights Act & Your BTL Mortgage

Buy-to-Let & Landlords · /guides/renters-rights-act-btl-mortgages

ASTs are abolished in England — check your mortgage conditions still match.

Portfolio Landlord Mortgages

Buy-to-Let & Landlords · /guides/portfolio-landlord-mortgage

The 4-property PRA threshold, portfolio schedules and whole-portfolio underwriting.

Buy-to-Let Deposit & LTV Requirements

Buy-to-Let & Landlords · /guides/buy-to-let-deposit-requirements

25% is the norm, 80% LTV exists — and why rental cover often bites first.

Remortgaging a Buy-to-Let to Residential

Buy-to-Let & Landlords · /guides/remortgage-buy-to-let-to-residential

Moving into your rental — the affordability test flips from rent to income.

How to Apply for a Mortgage

Home Buying Essentials · /guides/how-to-apply-for-a-mortgage

The full process from first checks to completion, step by step.

Your Credit Report Before a Mortgage

Home Buying Essentials · /guides/credit-report-for-mortgage

3 UK agencies, what to look for, how to fix errors.

Property Survey Guide (RICS L1/L2/L3)

Home Buying Essentials · /guides/property-survey-guide

Which survey level to choose, costs, how to renegotiate.

Down-Valuation Survival Guide

Home Buying Essentials · /guides/down-valuation

When the lender values below your offer — your 5 options.

Buying at Auction

Home Buying Essentials · /guides/buying-at-auction

Traditional vs modern method, bridging finance, 28-day completion.

Why Some Properties Are 'Unmortgageable'

Home Buying Essentials · /guides/unmortgageable-properties

Cladding/EWS1, flats above shops, short lease, flying freehold.

Lenders Accepting Ex-Council & High-Rise Flats

Home Buying Essentials · /guides/which-lenders-accept-ex-council-high-rise-flats

Storey caps, LPS construction and fire-safety rules — full lender lists.

Estate Agent Pushing Their Broker? Your Rights

Home Buying Essentials · /guides/estate-agent-in-house-broker

Estate Agents Act 1979 — conditional selling is illegal. A script that works.

Mortgage Application Documents Checklist

Home Buying Essentials · /guides/mortgage-application-documents

Every document lenders ask for, by applicant type — plus a printable checklist.

Changing Jobs Mid-Application

Home Buying Essentials · /guides/changing-jobs-during-mortgage-application

When a new job offer helps vs hurts your pending mortgage.

Made Redundant Mid-Purchase

Home Buying Essentials · /guides/made-redundant-during-mortgage

Disclosure duty, legal position, and the options that save the deal.

Paying Off Your Mortgage Early

After Completion · /guides/paying-off-mortgage-early

Overpayments, shorter terms, offset mortgages — what works.

Product Transfer vs Remortgage

After Completion · /guides/product-transfer-vs-remortgage

Stay with your lender or switch — which saves more and when.

Remortgage Rate Shock

After Completion · /guides/remortgage-rate-shock

New rate double the old one? Product transfer, remortgage, term extension or overpaying compared.

Remortgaging as an Expat

After Completion · /guides/expat-remortgage

Deal ending while you live abroad — product transfer vs full remortgage, and rented-out homes.

All Guides

Affordability Guides · /guides

£20k salary

Borrowing by Salary · /how-much-can-i-borrow/20k-salary

£25k salary

Borrowing by Salary · /how-much-can-i-borrow/25k-salary

£30k salary

Borrowing by Salary · /how-much-can-i-borrow/30k-salary

£35k salary

Borrowing by Salary · /how-much-can-i-borrow/35k-salary

£40k salary

Borrowing by Salary · /how-much-can-i-borrow/40k-salary

£50k salary

Borrowing by Salary · /how-much-can-i-borrow/50k-salary

£60k salary

Borrowing by Salary · /how-much-can-i-borrow/60k-salary

£75k salary

Borrowing by Salary · /how-much-can-i-borrow/75k-salary

£100k salary

Borrowing by Salary · /how-much-can-i-borrow/100k-salary

£100k mortgage

Salary Needed by Mortgage Amount · /what-salary-for-a-100k-mortgage

£150k mortgage

Salary Needed by Mortgage Amount · /what-salary-for-a-150k-mortgage

£200k mortgage

Salary Needed by Mortgage Amount · /what-salary-for-a-200k-mortgage

£250k mortgage

Salary Needed by Mortgage Amount · /what-salary-for-a-250k-mortgage

£300k mortgage

Salary Needed by Mortgage Amount · /what-salary-for-a-300k-mortgage

£350k mortgage

Salary Needed by Mortgage Amount · /what-salary-for-a-350k-mortgage

£400k mortgage

Salary Needed by Mortgage Amount · /what-salary-for-a-400k-mortgage

£450k mortgage

Salary Needed by Mortgage Amount · /what-salary-for-a-450k-mortgage

£500k mortgage

Salary Needed by Mortgage Amount · /what-salary-for-a-500k-mortgage

£600k mortgage

Salary Needed by Mortgage Amount · /what-salary-for-a-600k-mortgage

£700k mortgage

Salary Needed by Mortgage Amount · /what-salary-for-a-700k-mortgage

£800k mortgage

Salary Needed by Mortgage Amount · /what-salary-for-a-800k-mortgage

£1m mortgage

Salary Needed by Mortgage Amount · /what-salary-for-a-1m-mortgage

Expat Mortgages UK — Country Guides & Calculator

Expat Mortgages · /expat-mortgages

Expat Mortgage Calculator

Expat Mortgages · /expat-mortgage-calculator

UAE Expat Mortgages

Expat Mortgages · /expat-mortgages/united-arab-emirates

Singapore Expat Mortgages

Expat Mortgages · /expat-mortgages/singapore

Hong Kong Expat Mortgages

Expat Mortgages · /expat-mortgages/hong-kong

Australia Expat Mortgages

Expat Mortgages · /expat-mortgages/australia

United States Expat Mortgages

Expat Mortgages · /expat-mortgages/united-states

Canada Expat Mortgages

Expat Mortgages · /expat-mortgages/canada

Switzerland Expat Mortgages

Expat Mortgages · /expat-mortgages/switzerland

New Zealand Expat Mortgages

Expat Mortgages · /expat-mortgages/new-zealand

Saudi Arabia Expat Mortgages

Expat Mortgages · /expat-mortgages/saudi-arabia

Qatar Expat Mortgages

Expat Mortgages · /expat-mortgages/qatar

Spain Expat Mortgages

Expat Mortgages · /expat-mortgages/spain

Ireland Expat Mortgages

Expat Mortgages · /expat-mortgages/ireland

France Expat Mortgages

Expat Mortgages · /expat-mortgages/france

Portugal Expat Mortgages

Expat Mortgages · /expat-mortgages/portugal

Cyprus Expat Mortgages

Expat Mortgages · /expat-mortgages/cyprus

Italy Expat Mortgages

Expat Mortgages · /expat-mortgages/italy

South Africa Expat Mortgages

Expat Mortgages · /expat-mortgages/south-africa

Oman Expat Mortgages

Expat Mortgages · /expat-mortgages/oman

Kuwait Expat Mortgages

Expat Mortgages · /expat-mortgages/kuwait

Should I Fix for 2 or 5 Years?

Decision Tools · /should-i-fix-for-2-or-5-years

Compare fixing short vs long against your view of where rates go next.

Completion Cost Calculator

Decision Tools · /completion-cost-calculator

Every figure you need on completion day — the balance to your solicitor, not just the deposit.

Move Timeline Tool

Decision Tools · /move-timeline

A realistic week-by-week timeline from offer to keys for your purchase.

Mortgage Document Checklist

Decision Tools · /mortgage-document-checklist

The paperwork each lender asks for, by employment type — gather it once, before you apply.

All Calculators & Tools

Calculators · /calculators

Mortgage Repayment Calculator

Calculators · /mortgage-repayment-calculator

Monthly cost by loan size, rate and term, with a full amortisation view.

Mortgage Overpayment Calculator

Calculators · /mortgage-overpayment-calculator

Interest and years saved by overpaying — regularly or as a lump sum.

Stamp Duty Calculator

Calculators · /stamp-duty-calculator

SDLT for England and Northern Ireland, including first-time-buyer relief.

Monthly Budget Calculator

Calculators · /monthly-budget-calculator

What a mortgage payment leaves you to live on, the way lenders look at it.

Deposit Savings Calculator

Calculators · /deposit-savings-calculator

How long it will take to save your target deposit at your current rate.

Buying Costs Calculator

Calculators · /buying-costs-calculator

The full cost of buying — stamp duty, legals, survey, moving — so completion day holds no surprises.

Rent vs Buy Calculator

Calculators · /rent-vs-buy-calculator

Compare renting against buying over time, including opportunity cost.

Adverse Credit Timeline

Calculators · /adverse-credit-timeline

When historic credit issues stop affecting mortgage eligibility, event by event, lender by lender.

Bonus & Commission Mortgage Calculator

Calculators · /bonus-mortgage-calculator

The same bonus is worth 0%, 50% or 100% of its value depending on the lender — see the difference.

Self-Employed Income Calculator

Calculators · /self-employed-income-calculator

See what income each lender would actually assess — sole trader, director or CIS.

Student Loan Mortgage Calculator

Calculators · /student-loan-mortgage-calculator

How Plan 1, 2, 4, 5 and postgraduate loan repayments reduce your borrowing, by lender approach.

Pension Contributions Calculator

Calculators · /pension-contributions-mortgage-calculator

Some lenders ignore pension contributions, some deduct them — see what yours do to your maximum.

Car Finance Mortgage Calculator

Calculators · /car-finance-mortgage-calculator

Every £1/month of PCP or HP typically costs £40-60 off your maximum borrowing. Work out your figure.

How Much Deposit Do I Need?

Calculators · /how-much-deposit-do-i-need

The deposit staircase — how each extra 5% deposit changes your maximum property price, not just your rate.

Own New Rate Reducer Calculator

Calculators · /own-new-rate-reducer-calculator

What a developer-funded rate buy-down on a new build is really worth — and what happens after it ends.

Mortgage Declined? Decode Why

Calculators · /mortgage-declined

Work out the likely reason for a decline and what to do next — without racking up hard searches.

Buy-to-Let Mortgage Calculator

Calculators · /btl-mortgage-calculator

Rental-income based buy-to-let borrowing, with stress rates and interest coverage ratios explained.

First-Time Landlord Mortgage Calculator

Calculators · /first-time-landlord-mortgage-calculator

Which buy-to-let lenders accept first-time landlords, and what each would lend on your rent.

Full Mortgage Glossary

Glossary · /glossary

LTV

Glossary · /glossary/ltv

Income Multiple

Glossary · /glossary/income-multiple

Stress Test

Glossary · /glossary/stress-test

DIP

Glossary · /glossary/dip

AIP

Glossary · /glossary/aip

SVR

Glossary · /glossary/svr

Fixed Rate

Glossary · /glossary/fixed-rate

Tracker Mortgage

Glossary · /glossary/tracker-mortgage

Repayment vs Interest Only

Glossary · /glossary/repayment-vs-interest-only

Stamp Duty

Glossary · /glossary/stamp-duty

Vendor

Glossary · /glossary/vendor

SSTC

Glossary · /glossary/sstc

Exchange of Contracts

Glossary · /glossary/exchange-of-contracts

Completion Day

Glossary · /glossary/completion-day

Completion Statement

Glossary · /glossary/completion-statement

Memorandum of Sale

Glossary · /glossary/memorandum-of-sale

Gazumping

Glossary · /glossary/gazumping

Gazundering

Glossary · /glossary/gazundering

Property Chain

Glossary · /glossary/property-chain

Conveyancing

Glossary · /glossary/conveyancing

Restrictive Covenant

Glossary · /glossary/restrictive-covenant

Mortgage Deed

Glossary · /glossary/mortgage-deed

Chancel Repair Liability

Glossary · /glossary/chancel-repair

Mortgage Retention

Glossary · /glossary/retention

Agreement in Principle (AIP)

Glossary · /glossary/agreement-in-principle

Affordability Assessment

Glossary · /glossary/affordability-assessment

Equity

Glossary · /glossary/equity

Remortgage

Glossary · /glossary/remortgage

Adverse Credit

Glossary · /glossary/adverse-credit

Freehold vs Leasehold

Glossary · /glossary/freehold-vs-leasehold

Bad Credit Mortgage Reddit

Reddit Questions Answered · /reddit/bad-credit-mortgage

How Much Can I Borrow Reddit

Reddit Questions Answered · /reddit/how-much-can-i-borrow

Self-Employed Mortgage Reddit

Reddit Questions Answered · /reddit/self-employed-mortgage

Broker or Direct Reddit

Reddit Questions Answered · /reddit/mortgage-broker-or-direct

Mortgage Affordability Reddit

Reddit Questions Answered · /reddit/mortgage-affordability

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