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How Much ?

Before you make plans to purchase, remortgage or increase the size of your mortgage. Its always good to get an idea of costs. Below are some calculators which give an estimation around how much you may be able to borrow and how much the cost of the mortgage may be per month. Feel free to play around with the figures below. 

Why only an estimate?

Thats a good question. We cannot give exact figures here on how much you can  borrow or how much per month it will be due to:

  • Mortgage lender affordability models are subject to change at any time
  • Interest rates, fees and APR can change at any time, unless a deal is secured.
  • Full costings can only be provided to you in writing following a overview of your circumstances as per Financial Conduct Authority rules see here .

We can however, explain in the below calculators the general principle of how much you can borrow: 

How Much ?

The amount you can borrow is dependant on the following;

  • Proveable Income 

  • Age

  • Monthly outgoings

  • Dependants

  • Overall Affordability

Some Lenders can offer up to a max of 5x income in the best case scenario.  Its always best to discuss with us how much you need to borrow.

Borrowing Calculator

Client 1 annual gross income £* ie: 20000
Client 2 annual gross income £* ie: 30000
Estimated Borrowing Capacity
Subject to Criteria & Credit Checks***

*No need to use £ symbol   *** Not for BTL lending

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How much will my mortgage cost per month?

Alongside how much you can borrow, you may be interested to understand what our mortgage may cost per month. This Monthly Mortgage cost calculator can help. However please be aware this is an estimation and the result is subject to criteria, product type, term, and eligibility checks. This calculator does not produce an overall cost of full loan or quotation.

Monthly Mortgage Cost

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MyMortgageDeal.co.uk is a trading style of Simon Murphy who is an appointed representative of Julian Harris Mortgages Ltd authorised and regulated by the Financial Conduct Authority No.304155
The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website www.financial-ombudsman.org.uk  . Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.