Free mortgage calculator

Mortgage affordability calculator

Get a clearer guide to what you may be able to borrow based on income and commitments.

Built and checked by the advisers at Spolton Mortgages, former bank managers who are CeMAP qualified and FCA registered.

5.0★ · 714 reviews No fee until approved

714

Five-star reviews

Local

Family-run since 2017

FCA

Registered · No. 993383

This is a guide, not a mortgage decision. Lenders also look at credit history, outgoings, deposit size and how affordable the payments look over time. This calculator provides an estimate only and should not be relied upon as a guarantee of borrowing capacity, affordability or mortgage eligibility. The actual amount you may be able to borrow, and your monthly repayments will depend on your personal circumstances, credit status and the lender's assessment.

How much can I borrow?

Most lenders start from an income multiple, often around four to four and a half times your income, then adjust for credit commitments, deposit and how affordable the payments look. This calculator gives a quick indicative range.

Every lender scores affordability differently, and the right one for you is not always your own bank. We compare the whole market to find the lender most likely to say yes at a competitive rate.

Your home/property may be repossessed if you do not keep up repayments on your mortgage.

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714 verified reviews, rated 5.0

267 reviews on Google and 447 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.

5.0 average · Google & VouchedFor

VouchedFor

Remortgaging Nick was brilliant. He walked us through all of the options very clearly and thoroughly. We will definitely going back when we renew again. Absolutely Nothing, he really is very professional, knowledgeable, clear and concise.

Verified client in Lincolnshire

Review of Nick Spolton

VouchedFor

We wanted to buy our first home He went above and beyond to help us, walking us through the confusion of mortgages. He is very knowledgeable and helpful. Yes, we now have a house. Nothing else he could’ve done.

Verified client in Lincolnshire

Review of Tom Clifton

714

Five-star reviews

5.0★

Average rating

Read all 714 reviews

From first chat to front-door key

Let’s make your move simple

Free, no-obligation consultation. We listen, compare the whole market, and hand you a clear plan, no jargon.

01529 300500

Free until your offer is approved No jargon, no pressure Whole-of-market advice

Your home/property may be repossessed if you do not keep up repayments on your mortgage.