Borrowing Estimate
Explore an indicative mortgage borrowing range.
Enter your income, deposit and existing monthly commitments to see a broad illustration of potential borrowing.
This is not a lender affordability assessment. Actual borrowing can be materially higher or lower depending on your circumstances and lender criteria.
Your figures
Income and commitments
Add the income you want to include in the illustration and your current regular financial commitments.
Use gross annual income before tax.
Leave at £0 for a sole application.
This might include bonus, commission or other income you want to illustrate. Lenders may not accept all income in full.
Include regular credit commitments such as loans, finance and other ongoing borrowing where relevant.
Indicative borrowing
Broad borrowing range
£200,000
to£225,000
This is an illustration only. It is not an indication that a lender will offer an amount within this range.
Indicative property budget with deposit
£250,000
to£275,000
Borrowing illustration plus the deposit entered. This does not allow for Stamp Duty, legal fees or other purchase costs.
Your actual borrowing could be very different.
Intra has access to more than 90 lenders, each with its own affordability model and lending criteria.
Speak to an adviserUnderstanding the estimate
Why borrowing cannot be reduced to one income multiple.
Income is important, but lenders assess considerably more before deciding how much they may be prepared to lend.
Income
The type of income matters
Salary, bonus, commission, self-employed profit, contracting income, rental income and overseas earnings can all be assessed differently.
Expenditure
Monthly commitments matter
Loans, credit agreements, childcare, dependants and regular expenditure can all affect lender affordability.
Mortgage
Term and interest assumptions
Mortgage term, anticipated retirement, interest-rate stress testing and product structure can influence affordability.
Lender
Criteria varies across the market
Two lenders can assess the same applicant differently, which is why an adviser-led assessment can be more useful than a generic multiple.
Beyond the estimate
Some borrowers may qualify for different affordability.
Certain lenders may consider higher income multiples or use different affordability approaches for suitable applicants.
Professionals
Professional borrowers
Some lenders operate criteria specifically for certain established or qualifying professions.
Income
Higher-income applicants
Some affordability models can behave differently as household income and disposable income increase.
Complexity
More complex income
Business owners, contractors and applicants with multiple income sources may require a more detailed assessment rather than a simple headline multiple.
Important information
This is not an affordability decision.
01
The borrowing range is a broad illustration based primarily on the income entered and is not based on any particular lender's affordability model.
02
The calculation does not fully assess household expenditure, dependants, credit history, age, mortgage term, retirement, property type or other lender criteria.
03
Additional income may be assessed differently between lenders and may not always be accepted in full.
04
Existing financial commitments can affect affordability in different ways depending on the lender and type of commitment.
05
Some applicants may be able to borrow more or less than the range shown.
06
The property budget illustration adds the deposit entered to the borrowing range but does not include Stamp Duty, legal costs, mortgage fees or other purchase costs.
07
Only a full affordability assessment can provide a more meaningful indication of borrowing potential.
Continue exploring
Other mortgage calculators.
Important information
This calculator is for general information and illustration only. It does not constitute personal financial advice, a mortgage recommendation, an affordability assessment or an offer of lending. The amount you may be able to borrow depends on your individual circumstances and the affordability and lending criteria of the relevant lender.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or other loan secured upon it.
Speak with Intra
Want a more meaningful affordability assessment?
An adviser can look at your income, expenditure, deposit and wider circumstances across Intra's lender panel.