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0330 043 0327
0330 043 0327

Mortgage Affordability Calculator

Find out how much you can borrow!

Our affordability calculator takes into account your income and expenditure and gives you a a good idea as to how much you could possibly borrow. Not all lenders are willing to lend the same amount if you want to borrow close to your limit you may not have access to all the products on the market but our advisers are able to pick out the most suitable product based on your needs and circumstances and we will never charge you a fee.

Your Details
What's your gross annual salary?
This is your gross annual income from employment or self-employment before tax and deductions. For self-employed applicants this is an average of your last 2 years earnings or just your most recent year if you have been trading for less than 2 years.
Do you have any additional income?
This would include things such as bonuses, overtime or government benefits.
Do you receive any bonuses, commission, overtime on top of you basic income?
How much did you receive in total for bonuses, commission or overtime over the last year?
Do you receive any government benefits such as universal credit, tax credits or disability living allowance?
How much did you receive in total from government benefits last during the last 12 months?
Do you receive any other form of income such as child maintenance income?
How much did you receive in total from other sources such as child maintenance in the last 12 months?
How many people would be applying for the mortgage?
What is the second applicants gross annual salary?
Does the second applicant have any additional income?
This would include things such as bonuses, overtime or government benefits.
Does the second applicant receive any bonuses, commission, overtime on top of their basic income?
How much did the second applicant receive in total for bonuses, commission or overtime over the last year?
Does the second applicant receive any government benefits such as universal credit, tax credits or disability living allowance?
How much did the second applicant receive in government benefits during the last 12 months?
Does the second applicant receive any other form of income such as child maintenance income?
How much did the second applicant receive from other sources such as child maintenance during the last 12 months?
How many dependants do you have?
This refers to the number of children or adults who are financially dependant on you or your partner if this will be a joint application
What's your outstanding balance on all credit cards and overdrafts?
Please include the total figure from all cards if these can be cleared before the application is submitted you can enter £0.
Other monthly commitments
This should include personal loans, student loans or other commitments such as childcare or maintenance etc. Do not include rates groceries or essential travel. Enter the total monthly commitments combined.
How much additional expenditure is there per month?
How much could you put towards the deposit?
Are you a first time buyer?
Are you likely to purchase a property in the next 6 months?
First Time Buyer
Self-Build
Re-mortgage
Buy to Let

Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

We're here to offer our customers excellent fee free mortgage advice. Our expert advisers will help you secure the most suitable mortgage deal whether you're a first time buyer, remortgaging your home, buying to let or moving up the property ladder. We'll help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest, mortgage advice. No fee will be charged for our advice services. We may be paid a commission from the provider or lender. The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK

Mortgages Northern Ireland is a trading style of Mind My Mortgage Ltd, registered in Northern Ireland at 130 Drumford Meadow Portadown BT63 5BH (NI673303)

Mortgages Northern Ireland is a trading name of Mind My Mortgage Ltd who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial Conduct Authority.

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