How much can I borrow?

Generally speaking, banks will aim to lend up to 4.49x your income, unless you are a higher income earner then it may be possible to borrow up to 5x your income.

You can use our Mortgage Calculator to get a quick estimate, our calculator is based on a standard mortgage lender calculation.

Important: If you have regular commitments such as loans and credit cards this will reduce the final figure quoted in our estimate. Our calculator does not factor in your current commitments as each lender is different with their application of deductions.

Also, if you have dependents this will reduce the maximum figure which will again vary from lender to lender.

Our mortgage advisors will be able to go through an affordability assessment that is unique to you before we issue your mortgage illustration.