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How much can I borrow?

We calculate this based on a simple income multiple, but, in reality, it’s much more complex.

When you apply for a mortgage, lenders calculate how much they’ll lend based on both your income and your outgoings – so the more you’re committed to spend each month, the less you can borrow.

This calculator provides useful guidance, but it should be seen as giving a rule-of-thumb result only. Read more about what lenders look at in the How Much Can I Borrow? guide

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