Free calculator

Borrowing Power Calculator

See a realistic range of what lenders could offer, from cautious high street lenders to specialist lenders who go further.

Borrowing Power Calculator

See how much different lenders could offer — not just one number.

Applicant income (£/year)

Deposit (£)

Estimated borrowing range

£0–£0

Property price range: £0 – £0

Cautious Standard Enhanced / specialist

By lender tier

Tier	Max borrowing	+ deposit = max price

Lenders don't all use the same formula. More cautious lenders will lend around 4.5× combined income, while most standard high-street lenders sit in the 5×–5.5× range, depending on your credit profile, outgoings, and the lender's own risk appetite. A smaller group of enhanced and specialist lenders will stretch to 6× for certain professions, circumstances, or higher earners.

This is exactly why going direct to a single bank can undersell your borrowing power — a broker can compare across the whole market and place your application with the lender whose criteria actually fits you, rather than the one you happened to walk into.

Speak to an adviser about your options →

This is an illustrative guide only, not a mortgage offer or affordability assessment. Actual borrowing amounts depend on credit history, employment status, outgoings, and each lender's full underwriting criteria — speak to an mbnm adviser for an accurate picture.

How to use it

1
Add the income for each person applying, up to four
2
Add your deposit to see the price range it opens up
3
Compare the cautious, standard and enhanced lender tiers

Income multiples are a starting point. Lenders also look at outgoings, credit commitments and credit history.

Want the real numbers?

A calculator gives you a guide. A free chat with an adviser tells you what lenders will actually offer.

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Borrowing Power Calculator