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How much can I borrow?

Buying a new property is a big commitment. Whether you’re a first-time buyer, moving home, remortgaging or buying an additional property, our mortgage calculator can give you an idea of how much you can borrow and what your monthly repayments will look like.


Looking to find out the cost of your repayments?

Use our mortgage repayment calculator

Mortgage calculator FAQs

Using the mortgage calculator is simple. First, we’ll ask whether you’re a first-time buyer, moving home, remortgaging or buying an additional property.

Then you’ll need to tell us where you plan to buy, the number of applicants as well as any dependants.

Next, we’ll need some information about your income and outgoings. We use all this information to determine how much we could offer you. You can then find out which TSB mortgages you’re eligible to apply for.

First, you’ll need to tell us the property value, deposit, and repayment term. You can then see the results of the different mortgages you can apply for.

You can then find out how much you could borrow. You can find out more about which mortgage is right for you with our mortgage guide, or give us a call to talk to one of our mortgage experts.

If you are considering buying a property, you can use our mortgage calculator to see how much you could borrow and what the costs might be, whether you’re:

We’ll also ask you about any other applicants and dependants.

How much you can borrow will depend on information like your income and outgoings, as well as the type of mortgage you plan to apply for.


It can be tempting to borrow the maximum amount you can afford. However, the higher the amount you borrow, the less wiggle room you’ll have in case interest rates and your payments go up. Or even if your income decreases due to unemployment or other unforeseen circumstances.


Using the mortgage calculator does not affect your credit score. The mortgage calculator provides you with an estimate of how much you could be able to borrow. It does not perform a hard or soft credit check, check your affordability or show up on your credit report.

Once you apply for a mortgage with TSB, we will carry out a credit check which could affect your credit score.

Mortgage application

What you need to apply

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You’ll need to be a UK resident and over 18 to apply.

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You can get a mortgage in principle before finding a house.

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Details of your deposit and where it’s coming from.

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Information about the type of property you’re looking to buy.

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Your latest payslip, or latest 2 years self-assessments if you’re self-employed.

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Your latest bank statement.

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Details of any financial commitments you have, such as credit cards, loans, car finance or childcare costs.

How to apply

Start your application online

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Fill out your details online in as little as 10 minutes, then our mortgage experts will give you a call to discuss your mortgage.

How to apply

Speak to an adviser

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Request a call from our Mortgage Experts over the phone, video chat, or face to face.

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Alternatively you can call us on 0800 056 1088


How much are my repayments?

This calculator provides an indicative example only and should not to be taken as an agreement.

Actual loan and repayment amounts will be provided in a Mortgage Illustration when you speak with a TSB Mortgage Advisor.

Important information

Lending is subject to status and lending criteria, UK resident and 18+.

We've signed up to The Standards of Lending Practice: