How much could you borrow?

Most lenders work from about 4 to 4.5 times your household income, and some go higher for the right circumstances. Every lender assesses things differently though — your outgoings, credit history and deposit all shift the figure, which is why the same person can be offered quite different amounts by different lenders.

It mainly changes what your borrowing costs. The amount a lender offers is driven by your income and outgoings, but a bigger deposit means a lower loan-to-value — which unlocks more lenders and usually better rates, and makes your application stronger all round. A handful of lenders will also stretch a little further when the borrowing is lower-risk.

As a rough illustration: on a £40,000 household income, roughly £160,000–£180,000 is a typical starting range — your real figure depends on outgoings, credit and the lender. Treat it as a ballpark rather than a promise; an adviser can pin down a realistic number for your circumstances.

No. The calculator doesn’t run a credit check — nothing is recorded on your credit file, and your score is unaffected however many times you use it.

So you have them to keep. House-hunting numbers get lost in open tabs — an email means your estimate is saved and easy to find, and a real adviser can sanity-check the figure with you before you start viewing. No obligation, and we’ll never bombard you.

No — it’s an estimate based on income multiples. An Agreement in Principle comes from a lender and shows estate agents you’re a serious buyer. The good news: an AIP is exactly the kind of thing we sort out in a no-obligation chat, usually with no impact on your credit score.