Our mortgage affordability calculator assists you with deciding the amount you can borrow in relation to your pay. It has to be noted, joint borrowers are likely to receive higher loans due to the combined income being more than single borrowers. Please use our mortgage calculator for a more accurate figure. In any case, mortgage affordability is affected by a variety of factors. These include your credit history, monthly outgoings, deposit and it varies from lender to lender. Our mortgage borrowing calculator will estimate how much you may be able to borrow. However, you must ensure that you can afford the monthly repayments not only now, but in the future. For more information, contact our team for free mortgage advice. They can go over your situation with you and give you a more accurate estimate of your mortgage loan eligibility.

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Next see how much you can borrow & the deals you qualify for

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Resolve your loan to value ratio with our convenient mortgage loan to value calculator, assisting you with getting the best home loan deal accessible to you. 

What is loan to value?

Determine your loan-to-value ratio using our simple home loan-to-value calculator to ensure you get the best mortgage deal possible. The loan-to-value ratio (LTV) is the size of your mortgage relative to the price of the property you are purchasing or remortgaging. LTV is calculated as a percentage. For instance, if a lender provides you with a mortgage with a maximum LTV of 80%, this implies that they will lend you up to 80% of the property's value. As such, if you want to buy a property for – Property price - £200,000 and have a £20,000 down payment, you'll have to find a mortgage with a 90% LTV. Mortgage loan-to-value ratios usually range from 50% to 95%, resulting in a variety of offers available to suit most potential buyers. 

Important information 

LTV influences the amount you can get and the rate you can borrow. The lower the LTV, the better the mortgage rate for you. 

want to tell you that…

Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1.5%, but a typical fee is 0.3% of the amount borrowed.

Expert Mortgage Brokers is a trading name of LQ Property and finance ltd, which is authorized and regulated by the Financial Conduct Authority. Expert Mortgage Brokers, FCA- 758816. Registered Office: 162 Goodmayes lane, Ilford, Essex, IG3 9PR, London. Registered in England (10344069). Tel Number: +44 (0)207 183 1119
Expert Mortgage Brokers is a credit broker and not a lender. We source finance from a whole panel of lenders.
Please note that commission may vary dependent on the lender.

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