Before you start looking for a new home or decide to increase your mortgage, it makes sense to know how much you can borrow. Lender’s attitudes vary, but they will usually lend you between 3 and 3.25 times your annual income before tax if you’re applying for a mortgage on your own. If you’re applying with somebody else, they will usually lend either between 3 and 3.25times the main income plus the second income or 2.5 times the two incomes added together. This calculator gives you a chance to estimate how much you can borrow. Please note that your full financial situation will be taken into account when being assessed for a mortgage.

Protection & Privacy

We will be processing all personal information in accordance with Data Protection legislation. The details that you have provided will only be used to contact you by telephone, post or email regarding your selling and buying needs and in order to introduce moving services from our associated companies.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Written quotations are available on request. Subject to status. Contracts of insurance may be required. A professional brokerage fee of up to 1.95% may be charged.

Advanced Mortgages & financial Services Ltd are authorised and regulated by the Financial Services Authority for non investment protection, residential mortgages and general Insurance business.Our FSA ID number is 400614, our company ID number is 04205784 and our Consumer Credit License number is 505025.