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Mortgage borrowing calculator

Mortgage calculators

Many factors can influence the mortgage amount you can borrow. From your income and outgoings to your credit history and age to name a few. Having said that, income is one of the most important factors.

This quick calculator helps you work out how much mortgage you could potentially borrow based on your income. Whether you are in full-time employment or a contractor, we have added a section for the most common income types.

Another key point is that most lenders only accept two people’s income. Consequently, if you are planning a joint mortgage, we advise to only use income information for two applicants. Nevertheless, some lenders accept up to four applicants. So if you fall into this category, please get in touch with one of our advisors to go over your options.

Please remember that every lender is different in their assessment, so this tool can only give an indication. On the other hand, our advisors can identify suitable lenders for you and then calculate the actual maximum mortgage amount you could borrow.

How much can I borrow?

Mortgage calculator

Whole of market

We offer independent mortgage advice across the whole market – not just what you can find on the high street.

  • Access to over 130 lenders
  • Choice of over 20,000 deals

All this means we’ll always guarantee to find you the best mortgage deal available.

Always available

We work around your busy life to make getting a mortgage as easy as possible.

  • Contact us in the way you prefer: phone, email, Zoom, Whatsapp, or face-to-face.

You don’t need to faff with the Post Office queue either:

  • Upload all your documents using our 24/7 online upload tool.

We do the hard work

Without a broker, you’ll miss out on exclusive deals you can’t find on the high street.

We’re experts on lender criteria:

  • We’ll research and recommend only the most suitable options for you.
  • We’ll also complete all the paperwork for you, to make sure your mortgage application is successful.

Why choose us

Why choose us

Independent mortgage brokers serving the entire UK

We don’t think you should waste time filling out forms that aren’t relevant to your mortgage needs.

That’s why we like to speak to you first and build a personal relationship, so you can remain assured you’re getting the best service.

Get personalised mortgage advice today

0208 323 8989





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    Only looking at high street offers restricts how much you could borrow (and often means a more expensive mortgage, too).

    We have whole of market access to mortgage deals with over 130 lenders. That’s over 20,000 mortgage deals to choose from!

    Take a look with our mortgage finder tool to see some of the mortgage deals you could qualify for if you use our independent mortgage broker service.

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    Lilla, has been absolutely amazing.
    From start to finish, she always kept use informed on how the mortgage application was going.
    We had a few issues with the application due to my...
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    terri burgh Avatar
    terri burgh
    07/06/2023

    I worked with Agnes and Lilla very closely to secure a mortgage offer for my very complicated case.

    While so many other morgage brokers and big offices turned me down, BlueWing...
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    Lilla Kaputa Avatar
    Lilla Kaputa
    27/05/2023

    My mortgage advisor was Agnes Siry and she was absolutely brilliant from the very beginning up until the very end. She was always at the other end of the phone... read more

    Petra Zsoldos Avatar
    Petra Zsoldos
    15/02/2023

    Such a good thing to have a peace of mind that my mortgage is really the best available one on the market and all the legal bits are in place.... read more

    Tünde Kátai Avatar
    Tünde Kátai
    07/01/2023

    Really enjoyed working with Saanja and the team. They went above and beyond to help us and were creative with their solutions. I truly believe we could not have got... read more

    Sarah Fraser Avatar
    Sarah Fraser
    01/01/2023

    Agnes was our guardian angel throughout our very first house purchase. It's a process that is full of questions, uncertainty and doubt and (at least for first time buyers) and... read more

    Kristof Kiraly Avatar
    Kristof Kiraly
    22/11/2022

    Saanya was amazing from start to finish and got our mortgage through really quickly. She was extremely helpful with brilliant advice to help us purchase our flat, Ours was tricky... read more

    HKN B Avatar
    HKN B
    22/05/2022

    Excellent service. Lilla was always available and went above and beyond to support with any question or query. Could not recommend highly enough.

    Laura Flynn Avatar
    Laura Flynn
    22/02/2022

    Worked with Lilla, it was really good working together, we have received all the service we needed - Thank you

    Artyom Hudolij Avatar
    Artyom Hudolij
    02/11/2021

    Lilla assisted me with a contractor mortgage and she was absolutely wonderful... she is extremely patient and knowledgeable. I had a LOT of questions and there were some personal circumstances... read more

    Daniel Irvine Avatar
    Daniel Irvine
    30/06/2021

    I highly recommend Lilla, Alexandra and the rest of the team. Out of all of the brokers I made enquiries to Lilla was the most thorough in the questions she... read more

    Anne N Avatar
    Anne N
    05/03/2021

    Couldn't recommend Lilla and the team highly enough. Very friendly and thoroughly professional throughout our (occasionally!) stressful journey to secure a mortgage in these crazy times. Answered all of our... read more

    Adam Stiley Avatar
    Adam Stiley
    06/01/2021

    I went through a number of less-than-helpful mortgage advisors before Lilla was recommended to me by a friend.
    From the start the service provided was outstanding. Both Lilla and Alex were...
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    Ben Hodder Avatar
    Ben Hodder
    07/12/2020

    If it would be possible then I would give 10 stars out of the 5.
    Lilla Dilliway is the best mortgage broker ever, very experienced, always available and has all the...
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    Gabor Debreczeni-Kis Avatar
    Gabor Debreczeni-Kis
    06/12/2020

    I would highly recommend the services of BlueWing Financials and would especially like to thank Lilla and Alexandra, our case handles.

    I was in the process of purchasing my first...
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    Here are some of the big – and small – mortgage lenders, and specialist mortgage providers, we work with to find you the best personalised deal.

    Get in touch

    Work with us how you choose: email, phone, Zoom, Whatsapp, or face-to-face meetings. It’s up to you!

    Your personal mortgage broker will explain clearly the mortgage process and from a few questions about yourself, advise you on your options.

    Let us apply for you

    Your personal broker will structure your application the right way that guarantees you the best mortgage deal.

    One simple questionnaire is all it takes for us to complete your paperwork for you.

    Get the mortgage

    Your advisor handles the entire application process. Liaising with your lender, solicitor and estate agent to make sure your mortgage application progresses smoothly.

    All you need to do is accept the mortgage offer and celebrate!

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