Understanding how much you can borrow is one of the first steps in the mortgage process. At Sturgess Mortgage Solutions, we make it simple with our How Much Can I Borrow? calculator. This tool provides an estimate of your borrowing potential, helping you plan your next move with confidence.
What Determines How Much You Can Borrow?
Mortgage lenders assess a range of factors to determine your borrowing capacity, including:
✅ Income – Your salary and any additional earnings (e.g. bonuses, self-employment income, rental income)
✅ Financial Commitments – Existing loans, credit cards, car finance, and other outgoings
✅ Deposit Size – The higher your deposit, the better the mortgage rates you may be eligible for
✅ Credit History – A good credit score can improve your chances of securing a mortgage at a competitive rate
✅ Employment Type – Whether you are employed, self-employed, or a contractor can affect how much you can borrow
How Our Calculator Helps
Our How Much Can I Borrow? calculator gives you a quick and easy estimate of your potential mortgage loan amount. Simply input your income details and financial commitments to get an instant result.
What’s Next?
While our calculator provides a useful starting point, mortgage affordability assessments can vary between lenders. To get an accurate borrowing amount tailored to your situation, our expert advisers can review your finances, check lender criteria, and help secure the best mortgage deal for you.
