Calculating exactly how much you can borrow depends on a number of things, such as:
How much you spend each month on regular commitments
Whether you're paid a basic salary, a basic salary plus bonus, commission or overtime
If you're self employed
The amount of deposit you have
Your age and whether you are looking to borrow beyond your retirement date
One of the most important factors in determining how much you can borrow is the lender. Each lender has different criteria and as brokers who, last year successfully placed mortgages with 59 different lenders, we are perfectly placed to match the right lender to your borrowing requirements.