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

Remortgage on current property Help me find the best deal for our mortgage Yes Nothing, All done perfect, like always

Verified client in Nottinghamshire

Review of Nick Spolton

VouchedFor

Seth has been absolutely amazing so far advising myself and my partner on our journey to buying our first house. Things moved very quickly for us and Seth did everything he could in a short space of time to ensure our application could be made. We are very grateful

Verified client

Review of Seth Jackson

VouchedFor

We were looking to buy our first shared home together. Nick came highly recommended by several of my contacts. He made the process of sorting out a mortgage very easy, I have attempted this before myself and I wish that I had known him on that occasion. He made the whole application so simple and all we had to do was answer a few basic questions and sign. He did the rest. Yes, All the payments were sorted and we have now been the new house for 2 years. I cannot fault any of the process as Nick and his team are extremely organised.

Verified client in Lincolnshire

Review of Nick Spolton

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.