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Before you start house hunting, it’s important to know how much you can borrow. At Mortgage Advice Hut, we make it easy with our “How Much Can I Borrow?” calculator—a quick and simple way to estimate your borrowing potential and plan your next steps with confidence.
Lenders consider several factors when calculating how much you can borrow:
✅ Income – Including salary, bonuses, self-employment income, and rental earnings
✅ Financial Commitments – Credit cards, car finance, loans, and other regular outgoings
✅ Deposit Size – A larger deposit can unlock better mortgage deals
✅ Credit History – A strong credit score can improve your chances of approval
✅ Employment Type – Whether you’re employed, self-employed, or a contractor can influence your borrowing capacity
Just pop in your income and financial details, and our calculator will give you an instant estimate of your potential mortgage amount. It’s a great starting point to understand what’s possible.
While our calculator gives you a helpful snapshot, every lender is different. Our expert advisers can assess your full financial picture, match you with the right lender, and help you secure the best mortgage deal for your circumstances.
Offering daytime, evening and weekend appointments at a time convenient for you. You can arrange your appointment with a qualified broker by using our online diary or calling us on 01772 846147.
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A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME OR PROPERTY. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
You may have to pay an early repayment charge to your existing lender if you remortgage.
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