how much can I borrow on a mortgage


How much can I borrow on a mortgage?

You can find out how much money you can borrow by using a mortgage borrowing calculator. A mortgage calculator asks for information on your income and any other applicant’s income, so it can tell you the amount you may be able to borrow on a mortgage.

The mortgage calculator is only a guide to how much you can borrow; each lender has their own set of rules (criteria). When considering a mortgage, it’s worth thinking about all the bills you will have to pay like gas, electric, council tax, water, insurances, food and other expenses – some property websites have a guide to how much it costs to run a house before you buy it.

Banks and advisers have a responsibility to evidence that you can afford your mortgage before they provide the funds, but more importantly, do you think you can commit to a mortgage? Are you comfortable with the monthly repayments? It’s critical to look at all of the costs and provide accurate information so we can provide mortgage advice to suit your needs.


We can help

NM Money has a number of quick mortgage guides, which we recommend that you read through before considering purchasing your first property – there’s no jargon, we promise.

NM Money provides free advice; you won’t pay a penny to us. You can contact us on 03300 583 859, or send us your details to get the ball rolling.

Why choose NM Money?

  • We don’t charge you a thing - our service is fee free
  • Simple mortgage advice without the jargon
  • We search the whole market to find you the best deal
  • Our expert advisers are available 7 days a week
  • We’re authorised by the Financial Conduct Authority (FCA)

Call us today on 03300 583 859 or request a call back.

get started

mortgage calculators

How much money
can I borrow?

Calculate the size of mortgage you may be able to borrow based on your total combined income.

how much can i borrow?

Calculate my mortgage payments

Calculate the monthly cost of your mortgage based on its size, duration and interest rate.

how much will i pay?

How much stamp duty
will I pay?

Calculate the Stamp Duty on your house purchase in England, Scotland, Wales or Northern Ireland.

how much is stamp duty?