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

29 5 Star Reviews

Samantha Clement

Matt has been extremely helpful advising us on our recent mortgage application, we would certainly use MoneyMan / Matt again. Thank you. Sam & Gary

27 Apr 2026

Anila Quyyam

I had a really positive experience with UK Money Man when arranging my mortgage for my next property. Jason and Joe were both fantastic throughout the whole process. They supported me with porting my existing mortgage, and made what could have been a complicated process feel very straightforward. Their communication was excellent! They were always quick to respond, kept me updated, and explained everything clearly so I always knew what was happening. What stood out most was their speed, clarity, and how easy they made everything feel from start to finish. I really felt supported throughout, and they helped everything move along smoothly. I would definitely recommend UK Money Man to anyone looking for a reliable and responsive mortgage broker.

16 Apr 2026

Nathan Glave

Wow what a great service ive just received by Debbie Stones and Jason Loft so easy and quick, application to full mortgage offer after finding a house within days. Can't recommend these guys enough and will definitely be using in the future, thanks so much guys 👍🏻

25 Nov 2024

Jono Hinman

Daniel was brilliant, good help and good advice!

28 Oct 2024

Matthew Andrews

The full team have been brilliant from the very start of our journey of getting a mortgage with a special thanks to Wayne and Chloe, both did everything possible to make the process as easy and quick as possible and couldn't help enough with any questions we had, if we could give more than 5 stars we would of so if your looking for help and advice in getting a mortgage these guys are your people Matthew & Katrine Andrews

30 Apr 2024

Mathew Latham

Incredible Mortgage Broker! Despite what me and my wife thought were impossible personal circumstances to secure a mortgage, Matt Collinson managed to find a solution and we secured a mortgage in only 2 weeks! Professional and efficient service, and because of their ability to produce results, incredible value for money!

8 Feb 2023

briony haller

My experience with this company has been nothing but amazing!!! Wayne and Louise have been so helpful through the whole process, always available to talk and answer any questions I’ve had. As a first time buyer, I can say it has been a very pleasant experience in buying my first property with them! I 100% recommend to anyone. They will definitely be my first point of contact for the future.

14 Apr 2022

John Keenan

Kerry Bewell was assigned my application for a mortgage and I can honestly say she went over and above. She was in contact regularly with any updates regardless how small and kept me informed throughout the process answering questions and queries. I would highly recommend her.

21 Dec 2021

Simon Hastings

Very professional and comprehensive in meeting our mortgage needs. Would highly recommended. Jason worked tirelessly to find us a suitable mortgage, thanks so much!

13 Aug 2020

Jason and the team are fantastic cant thank them enough for making the process flow so easy. Highly recommended

4 Feb 2020

How Much Can I Borrow?