Mortgage Calculator

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
  • What your monthly repayments will look like

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.

How to apply

If you are a first time buyer, home mover or looking to remortgage, you can start your application online and a qualified Mortgage Adviser will give you a call to go through the details

Subject to status and lending criteria 

Request a call back from a Mortgage Expert who can arrange a convenient time to discuss your mortgage needs via video, telephone or face to face.

Find out what information you’ll need to have to hand

To talk to us about a new mortgage, call us on
0800 056 1088

Lines are open Monday to Friday 8am to 8pm and 9am to 2pm on Saturday.

Mortgage types explained

What is a fixed rate mortgage?

Our fixed rate mortgages are great if you need to know exactly where you stand. Because your interest rate stays the same for an agreed period, so do your monthly repayments.

Find out more about fixed rate mortgages

What is a tracker rate mortgage?

Tracker rates move up and down with the Bank of England Base Rate (BBR), so your monthly repayments could go up or down depending on how the BBR moves.

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.