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 calculator

Affordability

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