Mortgage guides
Lenders decide how much they'll offer using a formula, not a feeling. Below are the rules that formula follows – or work it out yourself with the calculator.
See your own maximum loanHow much can I borrow?Enter your income, commitments and property price and the calculator applies the same LTI and LTV limits as the lenders.Go to the mortgage affordability calculatorAffordability
AffordabilityHow much can I borrow for a mortgage in the UK? (2026)Ask ten lenders how much you can borrow and you'll get numbers within a few thousand pounds of each other – because they're all working from the same two limits. Here's what those limits are and how to work out your own number before you apply.7 min read
AffordabilityMortgage deposit and LTV: how much you need and what it changesA bigger deposit doesn't always buy you a bigger mortgage – sometimes the income cap is already the tighter limit, and the extra deposit only changes your interest rate tier, not how much you're allowed to borrow.8 min read
Fixed rates
Fixed ratesFixed vs. tracker mortgage: how each one actually worksA fixed-rate mortgage and a tracker mortgage can start at almost the same monthly payment and still behave completely differently over the following five years – one is a promise, the other is a formula that moves with the base rate.7 min read
Fixed ratesRemortgaging when your fix ends: how much reverting to SVR costsA fixed-rate deal doesn't renew itself. The day it ends, the mortgage moves automatically onto the lender's Standard Variable Rate – almost always the most expensive rate that lender offers – unless a new deal is arranged first.7 min read