How Much Can I Borrow?
Answer a few quick questions and receive an indicative borrowing figure. No credit check. No obligation. Takes under 2 minutes.
What are you looking to do?
This helps us tailor your borrowing estimate to your situation.
Please select an option to continue.
Tell us about the applicants
Joint applications can significantly increase your borrowing potential.
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Please select your employment status.
Income & deposit
Use annual gross (before tax) figures. These are used to calculate an indicative borrowing amount only.
Please enter your income.
Please enter your deposit.
Helps us calculate LTV ratio
Monthly financial commitments
Existing debts affect how much lenders will offer. Enter 0 if none apply.
Monthly payment
Monthly minimum
Children or financially dependent adults
Get your accurate figure
Enter your details and a qualified mortgage adviser will contact you with a full, accurate assessment — free of charge, no obligation.
To receive your full, accurate borrowing assessment, please use the enquiry form below. A qualified mortgage adviser will contact you free of charge, with no obligation.
Based on the details you've provided…
This is an indicative figure based on standard income multiples used across the mortgage market. Actual lending decisions depend on your full circumstances, credit history and the lender's individual criteria.
What lenders consider when assessing affordability
Lenders assess salary, bonuses and other income. How your income is structured — employed, self-employed or contractor — affects how lenders calculate affordability.
A strong credit record gives lenders confidence. Missed payments or high utilisation can reduce the amount available or affect the rates offered.
A larger deposit means a lower loan-to-value ratio, which typically unlocks better rates and a wider choice of lenders.
Monthly outgoings like car finance and credit cards reduce disposable income. Lenders factor all of these into their affordability calculations.
The number of people financially dependent on you and your typical household living costs are considered as part of a full affordability assessment.
Lenders check you could still afford repayments if interest rates were to rise. This protects you from overcommitting and is standard across the market.
Our qualified mortgage adviser can review your full circumstances, search across a wide range of UK lenders, and give you a clear, accurate picture of what you could borrow — in a free, no-obligation consultation.
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One of our qualified mortgage advisers will contact you to discuss your borrowing options in detail — free of charge, no obligation.
Understanding Your Mortgage Borrowing Power
How much you can borrow for a mortgage depends on a range of factors including your income, deposit, existing financial commitments and credit history. Lenders across the UK use different criteria to assess affordability, which is why working with a qualified mortgage adviser can make a significant difference to the outcome.
At London Finance Hub, we provide bespoke mortgage advice to clients across London and the UK through remote phone and video consultations. Whether you are a first-time buyer, home mover, or looking to remortgage, we search across a wide range of UK lenders to find a suitable mortgage based on your individual circumstances.
What affects how much you can borrow?
Most lenders use income multiples as a starting point — typically between 4 and 5.5 times your annual gross income. However, the actual amount you can borrow depends on much more than this, including your deposit size, monthly outgoings, number of dependants, and how your income is structured. Self-employed applicants, contractors and company directors may be assessed differently by lenders.
Our adviser works with clients across a range of income structures to help them understand how lenders are likely to assess their circumstances and which lenders may be most suitable for their situation.
Explore our mortgage services
Your home may be repossessed if you do not keep up repayments on your mortgage. London Finance Hub is a trading name of Global Finance Hub Ltd, authorised and regulated by the FCA. FCA No. 930771.
Get Your Accurate Borrowing Figure
Our qualified mortgage adviser will review your full circumstances, search across a wide range of UK lenders, and give you a clear and accurate picture of what you could borrow — all in a free, no-obligation conversation.