How much can I borrow for a mortgage?

Whether you’re a first time buyer or looking for a new mortgage deal, our borrowing calculator can give you an idea of how much you might be able to borrow.

Mortgage borrowing calculator

Answer a few simple questions about your income and outgoings and get an idea of how much you could borrow.

See how much you could borrow

How the borrowing calculator works

Our borrowing calculator uses a range of information to work out how much you might be able to borrow. You’ll need to confirm:

  • how many people are applying
  • your employment status
  • the income of who’s applying
  • your outgoings
  • any dependants.

Both your earnings and debts will affect how much you could borrow.

Once you submit your details, we’ll give you an estimate of how much you might be able to borrow for a mortgage. This won’t affect your credit score.

You can then use the calculator to see our current rates before applying for an Agreement in Principle. Our rates are still subject to a successful application.

What happens next?

Get an Agreement in Principle

Apply for an Agreement in Principle (AIP) with us to confirm how much you may be able to borrow. It has no impact on your credit score, and you'll need one before you submit your full mortgage application.

Apply for Agreement in Principle

Get in touch

You can call us or book a video mortgage appointment from the comfort of your own home.

Contact us

Help for first time buyers

Buying your first home is a big step. Find out everything you need to know about getting on the property ladder.

First time buyer help

Help with moving home

If you’re looking to move home, you can find out more about the selling and buying process. Make sure nothing is missed with Lloyds.

Learn more about moving home

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How to apply

Find out more about the steps involved and how the mortgage application process works.

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View our range of mortgages and see what deposit you’ll need for your new home.

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If you have a mortgage with us you could borrow up to 85% of your home’s value.

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