Mortgage Borrowing Calculator

How Much Can You Borrow?

Get an instant estimate based on standard bank assessment or specialist lender methodology for self-employed and contractors.

£
Leave blank if buying alone
£
£
Most lenders offer 4–5x
Director's salary or sole trader net profit
£
Annual dividends drawn (0 for sole trader)
£
Left in company — standard banks ignore this
£
Leave blank if buying alone
£
£
Your contracted daily rate
£
Leave blank if buying alone
£
£
Maximum Property Budget
£0
Maximum Mortgage
£0
Assessed Income
£0
Deposit
£0
Income Multiple Used
4.5x
What This Buys in Hampshire & Surrey
Town Entry Level 3-Bed Semi Status

Get your exact figure in 20 minutes.
Soft search only — no credit score impact. We confirm your real maximum before you view any properties.

📞 01252 111 000

This calculator provides an indicative estimate only and does not constitute a mortgage offer or agreement in principle. Actual lending is subject to full affordability assessment, credit check, property valuation and lender criteria. Localnest Mortgages is an independent whole-of-market mortgage adviser. Your home may be repossessed if you do not keep up repayments on your mortgage.