How much can I borrow?

Lenders assess affordability using income, committed outgoings and stress-tested interest rates. This guide explains the general principles—your adviser will calculate figures specific to you.

Income multiples and joint applications
Credit commitments and childcare costs
Stress testing at higher interest rates
Why online calculators differ from lender decisions

Frequently asked questions

Can I include overtime or bonus income?

Some lenders accept a proportion of variable income with evidence. We know which lenders are flexible for your employment type.

Do student loans affect borrowing?

Plan 2 loans are usually considered differently to credit cards. We factor this into lender selection.

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