"How much can I afford?"

EARNINGS - Mortgage lenders will usually lend you 3.5 times your annual income. However it's possible to borrow up to 5 times. If you are buying with a partner you can usually borrow 2.5 times the joint annual income - though there are several variations.

SAVINGS - For example what you've got in the bank or are bringing as profit from the sale of another property.

ONE-OFF COSTS - solicitor and surveyor fees, valuations, taxes, insurance, removal costs, and so on.

Use our Mortgage Calculator below to calculate your home loan repayments -