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Remortgage rate checker
See what a new deal could cost each month.
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How much can I borrow?
Most lenders lend around 4.5 times income. Some go higher for certain buyers. Enter your details to see a range.
Your result
Most lenders (4.5 times income)
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- Some lenders (5.5 times income)-
- Top end (6 times income)-
- Home price with your deposit-
Higher multiples are for some buyers only, such as higher earners or some professions. Lenders also check your spending and credit file.
A broker can find the lenders most likely to lend you more.
Talk to a mortgage brokerYour home may be repossessed if you do not keep up repayments on your mortgage.
Common questions
How do lenders work out what I can borrow?
They look at your income, your regular spending, any debts and your credit file. Income multiples are a starting point, not the final figure.
Can I borrow more than 4.5 times my income?
Some lenders offer 5 to 6 times income for certain buyers. A broker knows which lenders do this and who they accept.
Does a bigger deposit help?
Yes. A bigger deposit lowers your loan to value. That often gets you a lower rate and more lenders to choose from.
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Want real figures?
Talk to a mortgage broker for real rates for your case. No broker fee.
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