Get an estimate of the amount you could borrow and the mortgages we offer.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
To get an idea of what you can afford to pay out each month on a mortgage, add up your monthly outgoings, e.g. any loans you are currently paying off, utility bills, food, travel expenses, and take the total away from your monthly income. You can use our mortgage
calculator to work out what we may be able to lend you and how much your monthly payments could be.
Mortgage lenders assess the amount you want to borrow against the value of a property. This is called loan to value (LTV). Most mortgages require a deposit of at least 5% of a property’s value, which is a LTV of 95%. The average deposit is usually around 20% to 25% of a property’s
value which is a LTV of 75% to 80%. You’re likely to get a mortgage deal with a lower interest rate if the LTV is under 60%.
The amount you pay back each month will depend on:
You can get an idea of what the repayments could be by using our mortgage calculator
When taking out a mortgage, you should factor in any fees that may be charged for arranging the mortgage and for a property valuation.
For facts and figures on key home buying costs view our infographic on the cost of buying a home in Britain
For further information, please read our Homebuyer Guide
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