Mortgage affordability calculator

Get an idea of how much you can borrow based on your income and outgoings. If you prefer to speak to someone – arrange to get expert mortgage advice** from an experienced mortgage advisor.

How much can I borrow?

Compare the best mortgage deals on the market today

Enter a few basic details and we’ll compare mortgage deals from the whole of the market, so you can see the best mortgages deals we can show you today.

You can adjust your details on the results page if you’d like to see what that does to the different mortgage options.

Find the right mortgage for you

  • Compare over 15,000 mortgage deals
  • 90+ lenders covering whole of market
  • See deals in minutes

Want to speak to a mortgage advisor?

Speaking to an experienced mortgage advisor can help you to understand your options and get a great deal on your mortgage. If you’re looking for somewhere to start, you can speak to a Rest Less Mortgages advisor and get high quality advice** on standard, retirement interest-only and buy-to-let mortgages.

To work out how much you can afford to borrow, lenders will carry out a thorough assessment of your finances, taking a detailed look at both your income and your outgoings. The primary aim of doing this is to gauge how much you can comfortably afford to pay back each month. We cover more about this in our article, How much you can borrow for a mortgage.

The easiest way to see how much you might be able to afford to borrow is by using an online mortgage affordability calculator. Our mortgage affordability calculator, which will give you a rough estimate of what you might be able to afford, based on current market conditions.

Credit scores are used to measure how well you’ve handled debts in the past and give lenders confidence in your application. Your score is likely to be higher if you have always managed to stay on top of your debts, for example, by making any repayments on time, whereas it will be lower if you’ve missed any repayments or exceeded your credit limit. 

If you have a bad credit score, you’ll find it harder to borrow. However, you can take steps to improve your score. In our article, Seven steps to improve your credit score, we talk about how your credit score may affect your mortgage affordability and suggest seven steps you can take to boost your score.

Whether you are a first-time buyer or are looking to buy your next home, our in-depth guides can help you anything from understanding the basics to keeping up-to-date with the latest in the world of mortgages.

Get expert mortgage advice**

If you’d like to talk to someone about your mortgage, you can get high quality advice on standard, retirement interest-only and buy-to-let mortgages from a Rest Less Mortgages advisor.

Get expert mortgage advice**

Rest Less Mortgages Ltd is an appointed representative of Julian Harris Mortgages Ltd, Julian Harris House, Musgrove, Ashford. TN23 7UN which is authorised and regulated by the Financial Conduct Authority. Julian Harris Mortgages Ltd FCA Register number is 304155, Co No. 3927189. The Rest Less Mortgages Ltd registered office is: 47 Butt Road, Colchester, England, CO3 3BZ. Registered in England No. 13538805. Please note that some mortgages such as commercial BTLs are not regulated by the FCA. Please see our Privacy Policy.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at

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