Indicative borrowing tool

The figure shown is an indicative borrowing range. It is not a lender decision and not a credit-checked Agreement in Principle (AIP). It tells you the bracket your case sits in based on income, employment type and the deposit you have available.

The next step may be a lender-issued AIP, a conditional indication based on the information and checks at that stage. Some lenders use a soft credit search and others a hard search; ask which applies before proceeding. It is not a mortgage offer or a guarantee, and timing depends on the lender and the evidence supplied.

The form here also requests a callback. An adviser will phone you within four working hours, talk through the result, and walk you through the lender shortlist. If your case is more complex than a typical residential application, we will tell you on that call.

If the indicative range is well below what you expected, the most likely causes are commitments showing on a credit file, recent change of role, or income that lenders treat conservatively. We can usually find a workable lender in any of those situations.