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 successfully place mortgages with a large number of different lenders each year, we are perfectly placed to match the right lender to your borrowing requirements.