How Much Can I Borrow?

What is my borrowing power? How much you can borrow depends on a number of factors including all your income sources, your living expenses, any other loans you may have, your credit cards you have, the interest rate of the mortgage being applied for and more! Our borrowing calculator below can help provide an estimate of how much money you can borrow. Note that each lender has different methods of assessing your income, expenses and borrowing capacity. Check out our in-depth guide on the factors of borrowing power and how you can increase it!

It is best to use the calculator below as an estimate and speak with one of our brokers to get a true picture of your borrowing amount as each lender assesses each borrower differently based on their personal circumstances and financial situation.

You can also check out our other calculators which can help you build up greater understanding of everything you need to know before you take out a loan.

Did you know not all calculators are created equal?

Did you know that calculators on bank/lender websites are different to the ones they provide to mortgage brokers like Reservoir Finance? The ones they provide is for marketing purposes in order to try and get you to apply for a loan. The ones that we have are more reflective of their assessment criteria and are frequently updated to ensure applications we send through to them have a reasonable chance of approval.

Speak with us today to get a FREE assessment of your true borrowing capacity. We will give you a range from a selection of our panel of lenders (over 40!) which best suit your personal circumstances, personal goals and financial situation.

We are a 100% independent mortgage broker and we will always put our customers first! Fill out the form and speak with us today!


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