How much can I borrow?
Mortgage calculator

Mortgage amount
(based on the formula opposite):

Term length (years):

Interest rate (%):

Monthly payment to lender:

We have intended this calculator to give a guide only as to the repayments you can expect to pay.

Until recently mortgage lending has been based upon three times a single salary or two and half times a joint salary. With the recent economic climate, lenders have had to rethink their criteria. In addition to salary, they now consider deposit size and monthly financial commitments (excluding rent or mortgage payments) when making their decision.

Important: The purpose of this is to give very approximate monthly repayments and should not be considered as a Consumer Credit Act quotation which is available on request. Any figures should be considered as a rough indicator of monthly cost and do not include other insurance costs. These figures should not be considered as a mortgage offer.
Michael Graham Private Finance is the trading name of Michael Graham Financial Services Ltd
Your home may be repossessed if you do not keep up repayments on your mortgage.
Written quotations are available. Mortgages are subject to status valuation and the individual lender's criteria. All loans require security. Applicants must be UK residents aged 18 or over. Calls may be recorded for quality and training purposes.