How much can I borrow?

Want to know how much can you afford to borrow for your dream property?

Our mortgage affordability calculator is designed to provide key financial insights as you explore home financing options. By entering a few details about your income, the property value and deposit, our tool can help you:

• Estimate your maximum borrowing potential

• Calculate the approximate loan amount you might be eligible for

•Establish a sound starting point for pre-approval and property searching, allowing you to search and negotiate with confidence



Mortgage affordability calculator
How many people are applying?
  • One
  • Two
Annual income applicant 1
Annual income applicant 2
Property value
Our estimate
The amount you could borrow
The amount you want to borrow
Loan to value (LTV)
The results generated by the calculator are based on the information provided and are for informational purposes only. The loan terms are subject to change and may vary depending on various factors, and users should take the results generated by the finance calculator as estimates and not as absolute truths.

Contact us

Talk to a member of the team now.
Simply get in touch using the details below.

Or, complete our quick online enquiry form to receive a callback.

Phone: 0800 031 8829
Email: [email protected]

*Required fields

Why The Finance Company?


At The Finance Company, we understand that navigating mortgages can be complex.
Our mortgage calculator empowers you to:

• Benefit from our experienced bridging finance team

• Calculate finances for property values and loan amounts to scale your portfolio

• Receive tailored insights based on your financial situation

• Making your property transition seamless

• Experience a user-friendly calculator that ensures simplicity in your planning




Frequently asked questions:

What factors affect my borrowing capacity?

The main factors that affect your borrowing capacity for a mortgage include:

  • Your income - Lenders will look at your total gross annual income from employment, investments, benefits, pensions, and other sources
  • Existing debts - Any loans, credit cards, or other commitments that require monthly payments will reduce the amount you can borrow for a mortgage
  • Expenses - Essential living costs like rent, utilities, insurance, transportation and childcare impact how much disposable income you have to service a mortgage
  • Deposit - The more you can put down, the lower the loan-to-value ratio, which can mean better rates and allowance for larger loan amounts
  • Credit history - Good long-term credit with on-time repayments will help your application
  • Loan type and term - Shorter terms or adjustable rate mortgages have lower borrowing potential than longer fixed terms of 25-30 years
Sign up to our mailing list