How much can I borrow for my mortgage?

The amount you can borrow depends on a number of things, including:

  • The amount you can pay as a deposit  
  • Your household income
  • Money you owe because of loans, credit cards or other commitments
  • Whether you’re buying alone or with someone else
  • Your regular spending 

Our mortgage calculator can give you an idea of how much you might be able to borrow. Remember, it only provides an indication.

If you’d like a more accurate quote, you could use our affordability calculator or complete an Agreement in Principle

You could also have a look at our mortgage support hub for the latest details on rate changes, including how to switch.