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How much can I borrow?

How much can I borrow?

This calculator will give you an ‘outline’ indication of the amount that you could borrow based on your income.


How much can I borrow?
Annual income for 1st applicant: £ 
Annual income for 2nd applicant: £ 
Regular bonus or commission income for 1st applicant: £ 
Regular bonus or commission income for 2nd applicant: £ 
     
This is typically how much you can borrow (low): £ 
This is typically how much you can borrow (high): £ 
   
This figures are based on between 3.5 to 3.85 times income. It may be possible to increase this to up to 4.5 to 5 times income, depending on lenders’ criteria and your personal circumstances.

The amount you can borrow will depend on the Lenders’ criteria, determined by the deposit you have, the property purchase price/valuation, any existing commitments and your credit history.

This calculator is only for general guidance. The amount you could borrow will depend on your personal circumstances. Most lenders use an ‘Affordability calculator’ based on their own criteria, that could give a different result to this calculator.
Please contact us to determine exactly what your borrowing possibilities are, without obligation.

Your home may be repossessed if you do not keep up repayments on your mortgage.
1st Call 4 Mortgages (UK) Ltd. Registered in England and Wales under number 09333010. Directors: Desmond Tourick and Paul Butler.
Registered address: 78 Hilmanton, Lower Earley, Reading, Berkshire, RG6 4HN.
1st Call 4 Mortgages (UK) Ltd is authorised and regulated by the Financial Conduct Authority under number 676588 in respect of mortgage, insurance and consumer credit mediation activities only.
The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based within the UK.
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