How Much Can I Borrow?

Work out how much you can borrow based on your income and deposit size.

Income*

£

Is there more than one applicant?

Yes No

The total amount you can borrow can vary widely from Lender to Lender and the above is purely an indication of the maximum amount available based on your income for illustrative purposes only. The actual amount you can borrow will take other things into account such as credit commitments and the above should only be considered a guide figure.

You could borrow up to...

£0

Most lenders will require a 5% deposit

Viewing properties? We can arrange your agreement in principle within 24-hours!

A mortgage valued at £0 with a 4.5% interest rate over 25 years would cost you £0 per month, which is 0% of your pre-tax income.

Popular FAQs

Is the borrow calculator accurate?

The “How Much Can I Borrow?” calculator provides a helpful estimate based on your input of financial details, such as income and outgoings.

While it uses standard mortgage lending principles, the actual amount you can borrow will depend on more detailed affordability assessments conducted by lenders, including credit checks and individual circumstances.

Therefore, the calculator should be viewed as a guide, and speaking directly to a mortgage advisor will give you a more tailored figure.

How long does the mortgage application process take?

The mortgage application process can vary depending on your situation and chosen lender.

Typically, from submitting your application to receiving an offer, it can take anywhere from two to six weeks.

This timeline includes securing a decision in principle, undergoing credit checks, and the lender reviewing your financial details and documentation.

Can I get a mortgage with bad credit?

Getting a mortgage with bad credit can be more challenging, but it’s not impossible.

Some lenders offer specialist products for those with adverse credit histories, such as missed payments or County Court Judgements (CCJs).

Keep in mind that you may need a larger deposit, and interest rates could be higher than for applicants with a clean credit record.

What documents do I need to apply for a mortgage?

To apply for a mortgage, you’ll typically need to provide proof of income (such as payslips or tax returns for the self employed), bank statements, and proof of identity and address.

Lenders may also ask for details about any existing loans or debts, as well as your monthly expenses to assess your affordability.

Should I use a mortgage broker?

Yes, working with a mortgage broker can simplify the home-buying process and help you find the most suitable mortgage deal.

As a broker, we have access to a wide panel of lenders, including specialist options that might not be available directly to you.

We guide you through every step, from finding the most suitable rates to managing your application, ensuring you get the right mortgage for your unique circumstances.

Whether you’re a first time buyer, self employed, or have a more complex financial history, we’re here to help secure the most suitable outcome for you.

Our Customers Love Us

4.99 Rating112 Reviews

Mick

Did everything possible for us to secure a great deal. Thankyou!

2 weeks ago

Jade

Outstanding and amazing service

4 months ago

Liam

Great to deal with

5 months ago

Liam

Great people very easy to deal with. Helped me massive.

5 months ago

Judith

The support we received was amazing. When we felt down they lifted our mood. Then when the result came through it was fantastic.

5 months ago

David

Doncastermoneyman have always been great and make the mortgaging process as simple as possible, with minimal stress. They are always very helpful and have great customer service. I would definitely recommend them to anyone.

6 months ago

Neil

Absolutely brilliant, excellent service. Not the cheapest but you pay for what you get. I used another cheaper company after lots of messing about, I had to find another mortgage broker, Doncastermoneyman stepped up, got me a really good...

8 months ago

Brandan

Very nice, respectful and helpful throughout the process. They give very informative updates as well.

8 months ago

Victoria

Incredibly impressed with Leo, easy process with fast results. Would 100% recommend.

11 months ago

Bethany

A very good and quick replying broker. Always gave the best advice and looked for the best offer for us. Would highly recommend.

1 year ago

Bethany

A very helpful broker. We received very quick responses. They always looked for the best rates and very understanding of circumstances and gave us the best advice.

1 year ago

Nicola

Very easy to deal with, answered all my questions and put me at ease. Would highly recommend.

1 year ago

Katrina

Fantastic service. so helpful and friendly would highly recommend to anyone and especially Wayne and Chloe they have been with us every step of the way, thank you so much for helping us with our first mortgage

1 year ago

Thomas

Fantastic, very attentive and helpful throughout the whole process

1 year ago

Thomas

Very helpful

1 year ago

Glenn

Excellent customer service. Matt & Lizzi were great with communication throughout the process. Mortgage achieved as promised.

1 year ago

Valy-Sorinel

The best mortgage advisor

1 year ago

George

Great service from Daniel, we are remortgaging this summer and found the best option with his help.

1 year ago

Harrison

The service provided by Tom was brilliant and he was always available to offer support and advice throughout the process. Me and my partner were first time buyers and it couldn’t have been made any easier due to the service provided by Tom and his...

2 years ago

Beth

We have used Jason twice to sort our mortgage after one house fell through. He has been accommodating around working hours and always responds rapidly. Always has good advice and understands any questions we weren’t quite sure on. I would...

2 years ago