How much can I borrow?

Use this calculator to get an indication of how much you could borrow based on your income.

Premier customers and first-time buyers may be able to borrow more than our usual lending limits¹. The higher amount will be automatically displayed on the calculator, so you don't have to do anything to understand what we may be able to lend you.

The calculator will ask you for your income, a property value and deposit amount.

You're also able to use the drop-down boxes to select if you're a first-time buyer, Premier customer, or both if they're applicable to you.

If you've already started looking for properties, you can enter a property value and deposit amount into the calculator, and we'll show you your Loan to Value (LTV) ratio. This will allow you to check the rates that are available to you and help when comparing rates. Alternatively you can use our mortgage finder tool to enable you to view our range of residential mortgages and find out what your monthly payments could be.

If you've not found a property yet, just enter your gross annual income (yearly income before tax) and we’ll show you the maximum amount we could lend you based on your income alone.

Please note that the figure provided does not take account of your individual circumstances, such as your household expenditure, your credit history or the condition of the property. We strongly recommend that you get a Decision in Principle, which is a personalised estimate of how much you could borrow. Please also refer to the 'Important information' section below.