Try our mortgage calculator

How much can I borrow?

How much can I borrow and what would it cost?

Our mortgage calculator is designed to show you how much you could potentially borrow and how much your monthly payments would be. The amount is based solely on your income without deducting household expenses and financial commitments. Your mortgage adviser will take you through the application process and will calculate the amount you can afford to borrow based on your income after the deduction of those expenses and commitments. Further restrictions may apply for specialist products.

Gross annual income

 

Mortgage details

 

Payment options

Your monthly repayments

 
Range dependent on the products in the comparison list below

Variable Rate Mortgages

Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

2 Year Discount

1.49% 4.7% APRC 80% £1,499 View
for 24 months
find out more

Representative example

A Mortgage of  £139,026.00, payable over 17 years and 4 months (208 months) initially on a discounted rate for 2 years (24 months) of 1.49% and then on our current standard variable rate of 5.34% for the remaining 15 years and 4 months (184 months) would require 24 monthly payments of £758.83 then 184 monthly payments of £994.49. The total amount payable would be £203,314.95 made up of the loan amount plus interest (£62,334.95) with a £200.00 valuation fee, £1,499.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and a mortgage exit administration fee of £120.00. The overall cost for comparison is 4.7% representative APRC.

2 Year Discount

1.94% 4.6% APRC 90% £999 View
for 24 months
find out more

Representative example

A Mortgage of  £221,778.00, payable over 14 years and 4 months (172 months) initially on a discounted rate for 2 years (24 months) of 1.94% and then on our current standard variable rate of 5.34% for the remaining 12 years and 4 months (148 months) would require 24 monthly payments of £1478.01 then 148 monthly payments of £1796.07. The total amount payable would be £303,162.05 made up of the loan amount plus interest (£79,840.05) with a £999.00 completion fee, £290.00 valuation fee, £30.00 CHAPS fee, legal fees of £105.00 and a mortgage exit administration fee of £120.00. The overall cost for comparison is 4.6% representative APRC.

Shared Ownership 2 Year Discount

3.14% 5.0% APRC 95% £0 View
for 24 months
find out more

Representative example

A Mortgage of £139,026.00, payable over 17 years and 4 months (208 months) initially on a discounted rate for 2 years (24 months) of 3.14% and then on our current standard variable rate of 5.34% for the remaining 15 years and 4 months (184 months) would require 24 monthly payments of £867.56 then 184 monthly payments of £1,008.94. The total amount payable would be £207,072.21 made up of the loan amount plus interest (£67,791.21) with a £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.0% representative APRC.

Specialist Self Employed 3 Year Discount

2.99% 4.8% APRC 80% £999 View
for 36 months
find out more

Representative example

A Mortgage of  £139,026.00, payable over 17 years and 4 months (208 months) initially on a discounted rate for 3 years (36 months) of 2.99% and then on our current standard variable rate of 5.34% for the remaining 14 years and 4 months (172 months) would require 36 monthly payments of £857.31 then 172 monthly payments of £998.30. The total amount payable would be £204,167.59 made up of the loan amount plus interest (£63,887.59) with a £999.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and a mortgage exit administration fee of £120.00. The overall cost for comparison is 4.8% representative APRC.

Further Advance 3 Year Discount

2.74% 4.5% APRC 90% £0 View
for 36 months
find out more

Representative example

A Mortgage of  £30,200.00, payable over 15 years and 4 months (184 months) initially on a discounted rate for 3 years (36 months) of 2.74% and then on our current standard variable rate of 5.34% for the remaining 12 years and 4 months (148 months) would require 36 monthly payments of £201.20 then 148 monthly payments of £233.22. The total amount payable would be £41,934.24 made up of the loan amount plus interest (£11,629.24) with a £75.00 valuation fee and £30.00 CHAPS fee. The overall cost for comparison is 4.5% representative APRC.

Shared Ownership 3 Year Discount

3.39% 4.8% APRC 95% £0 View
for 36 months
find out more

Representative example

A Mortgage of £139,026.00, payable over 17 years and 4 months (208 months) initially on a discounted rate for 3 years (36 months) of 3.39% and then on our current standard variable rate of 5.34% for the remaining 14 years and 4 months (172 months) would require 36 monthly payments of £884.81 then 172 monthly payments of £1,003.29. The total amount payable would be £205,063.51 made up of the loan amount plus interest (£65,782.51) with a £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.8% representative APRC.

3 Year Discount

2.89% 4.6% APRC 95% £499 View
for 36 months
find out more

Representative example

A Mortgage of £247,702.00, payable over 17 years and 4 months (208 months) initially on a discounted rate for 3 years (36 months) of 2.89% and then on our current standard variable rate of 5.34% for the remaining 14 years and 4 months (172 months) would require 36 monthly payments of £1,515.35 then 172 monthly payments of £1,776.39. The total amount payable would be £361,707.97 made up of the loan amount plus interest (£112,961.97) with a £499.00 completion fee, £290.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.6% representative APRC.

Fixed Rate Mortgages

Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

2 Year Fixed

2.14% 4.9% APRC 90% £999 View
for 24 months
find out more

Representative example

A Mortgage of  £179,674.00, payable over 21 years and 5 months (257 months) initially on a fixed rate for 2 years (24 months) of 2.14% and then on our standard variable rate of 5.34% for the remaining 19 years and 5 months (233 months) would require 24 monthly payments of £872.14 then 233 monthly payments of £1,147.07. The total amount payable would be £289,953.31 made up of the loan amount plus interest (£108,825.31) with a £999.00 completion fee, a £200.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.9% representative APRC.

2 Year Fixed

2.39% 4.9% APRC 90% £250 View
for 24 months
find out more

Representative example

A Mortgage of £179,674.00, payable over 21 years and 5 months (257 months) initially on a fixed rate for 2 years (24 months) of 2.39% and then on our standard variable rate of 5.34% for the remaining 19 years and 5 months (233 months) would require 24 monthly payments of £893.92 then 233 monthly payments of £1,149.50. The total amount payable would be £290,130.90 made up of the loan amount plus interest (£109,951.90) with a £250.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.9% representative APRC.                                                                                                                                                         

Shared Ownership 2 Year Fixed

3.69% 5.2% APRC 95% £ View
for 24 months
find out more

Representative example

A Mortgage of  £179,674.00, payable over 21 years and 5 months (257 months) initially on a fixed rate for 2 years (24 months) of 3.69% and then on our current standard variable rate of 5.34% for the remaining 19 years and 5 months (233 months) would require 24 monthly payments of £1,012.40 then 233 monthly payments of £1,161.45. The total amount payable would be £295,699.13 made up of the loan amount plus interest (£115,770.13) and a £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.2% representative APRC.

2 Year Fixed

2.79% 5.1% APRC 95% £999 View
for 24 months
find out more

Representative example

A Mortgage of  £164,114.00, payable over 22 years and 5 months (269 months) initially on a fixed rate for 2 years (24 months) of 2.79% and then on our current standard variable rate of 5.34% for the remaining 20 years and 5 months (245 months) would require 24 monthly payments of £821.32 then 245 monthly payments of £1,028.69. The total amount payable would be £273,554.75 made up of the loan amount plus interest (£107,966.75) and a £220.00 valuation fee, £999.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.1% representative APRC.

3 Year Fixed

2.14% 4.6% APRC 80% £999 View
for 36 months
find out more

Representative example

A Mortgage of  £179,674.00, payable over 21 years and 5 months (257 months) initially on a fixed rate for 3 years (36 months) of 2.14% and then on our standard variable rate of 5.34% for the remaining 18 years and 5 months (221 months) would require 36 monthly payments of £872.14 then 221 monthly payments of £1,133.06. The total amount payable would be £283,577.99 made up of the loan amount plus interest (£102,449.99) with a £999.00 completion fee, £200.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.6% representative APRC.

Specialist Self Employed 3 Year Fixed

3.39% 5.0% APRC 80% £999 View
for 36 months
find out more

Representative example

A Mortgage of  £179,674.00, payable over 21 years and 5 months (257 months) initially on a fixed rate for 3 years (36 months) of 3.39% and then on our current standard variable rate of 5.34% for the remaining 18 years and 5 months (221 months) would require 36 monthly payments of £984.30 then 221 monthly payments of £1,150.56. The total amount payable would be £291,464.95 made up of the loan amount plus interest (£110,536.95) and a £999.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.0% representative APRC.

Further Advance 3 Year Fixed Rate

2.99% 4.6% APRC 90% £0 View
for 36 months
find out more

Representative example

A Mortgage of  £42,101.00, payable over 14 years and 7 months (175  months) initially on a fixed rate for 3 years (36 months) of 2.99% and then on our current standard variable rate of 5.34% for the remaining 11 years and 7 months (139 months) would require 36 monthly payments of £297.12 then 139 monthly payments of £336.95. The total amount payable would be £57,740.91 made up of the loan amount plus interest (£15,534.91) and a £75.00 valuation fee and £30.00 CHAPS fee. The overall cost for comparison is 4.6% representative APRC.

3 Year Fixed

3.09% 4.9% APRC 90% £999 View
for 36 months
find out more

Representative example

A Mortgage of  £164,114.00, payable over 22 years and 5 months (269 months) initially on a fixed rate for 3 years (36 months) of 3.09% and then on our current standard variable rate of 5.34% for the remaining 19 years and 5 months (233 months) would require 36 monthly payments of £846.34 then 233 monthly payments of £1,022.74. The total amount payable would be £270,639.00 made up of the loan amount plus interest (£105,051.00) and a £220.00 valuation fee, £999.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.9% representative APRC.

Shared Ownership 3 Year Fixed

3.94% 5.1% APRC 95% £0 View
for 36 months
find out more

Representative example

A Mortgage of  £179,674.00, payable over 21 years and 5 months (257 months) initially on a fixed rate for 3 years (36 months) of 3.94% and then on our current standard variable rate of 5.34% for the remaining 18 years and 5 months (221 months) would require 36 monthly payments of £1,036.17 then 221 monthly payments of £1,157.79. The total amount payable would be £294,012.90 made up of the loan amount plus interest (£114,083.90) and a £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.1% representative APRC.

3 Year Fixed

3.19% 4.9% APRC 95% £499 View
for 36 months
find out more

Representative example

A Mortgage of  £164,114.00, payable over 22 years and 5 months (269 months) initially on a fixed rate for 3 years (36 months) of 3.19% and then on our current standard variable rate of 5.34% for the remaining 19 years and 5 months (233 months) would require 36 monthly payments of £854.78 then 233 monthly payments of £1,023.94. The total amount payable would be £270,736.66 made up of the loan amount plus interest (£105,648.66) and a £220.00 valuation fee, £499.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.9% representative APRC.

5 Year Fixed

2.74% 4.4% APRC 80% £999 View
for 60 months
find out more

Representative example

A Mortgage of  £179,674.00, payable over 21 years and 5 months (257 months) initially on a fixed rate for 5 years (60 months) of 2.74% and then on our standard variable rate of 5.34% for the remaining 16 years and 5 months (197 months) would require 60 monthly payments of £924.97 then 197 monthly payments of £1,119.10. The total amount payable would be £277,903.83 made up of the loan amount plus interest (£96,715.83) and a £999.00 completion fee, a £260.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.4% representative APRC.

5 Year Fixed

2.74% 4.3% APRC 80% £0 View
for 60 months
find out more

Representative example

A Mortgage of  £179,674.00, payable over 21 years and 5 months (257 months) initially on a fixed rate for 5 years (60 months) of 2.74% and then on our current standard variable rate of 5.34% for the remaining 16 years and 5 months (197 months) would require 60 monthly payments of £924.97 then 197 monthly payments of £1,119.09. The total amount payable would be £276,882.28 made up of the loan amount plus interest (£96,693.28) and a £260.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.3% representative APRC.

Self-Build Mortgages

Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

2 Year Discount

4.39% 5.4% APRC 80% £525 View
for 24 months
find out more

Representative example

A Mortgage of  £84,145.00 payable over 15 years and 5 months (185 months) initially on a discounted rate for 2 years (24 months) of 4.39% and then on our current standard variable rate of 5.34% for the remaining 13 years and 5 months (161 months) would require 24 monthly payments of £626.78 then 161 monthly payments of £663.60. The total amount payable would be £123,150.95 made up of the loan amount plus interest (£38,035.95) and a £190.00 valuation fee, £525.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.4% representative APRC.

Buy To Let Mortgages

Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

2 Year Discount

2.59% 5.1% APRC 80% £1499 View
for 24 months
find out more

Representative example

A Mortgage of  £174,848.00, payable over 17 years and 5 months (209 months) initially on a discounted rate for 2 years (24 months) of 2.59% and then on our current standard variable rate of 5.34% for the remaining 15 years and 5 months (185 months) would require 24 monthly payments of £377.38 then 185 monthly payments of £778.07. This is based on an interest-only repayment method. The total amount payable would be £330,249.69 made up of the loan amount plus interest (£153,357.69) and a £290.00 valuation fee, £1499.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage administration exit fee. The overall cost for comparison is 5.1% representative APRC.

Family Buy to Let 3 Year Discount

3.20% 5.0% APRC 80% £999 View
for 36 months
find out more

Representative example

A mortgage of £171,448.00 payable over 17 years and 3 months (207 months) initially on a discounted rate for 3 years (36 months) of 3.20% and then on our standard variable rate of 5.34% for the remaining 14 years and 3 months (171 months) would require 36 monthly payments of £457.19 then 171 monthly payments of £762.94. This is based on an interest-only repayment method. The total amount payable would be £320,318.64 made up of the loan amount plus interest (£147,356.64) with a £999.00 completion fee, £260.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.0% representative APRC.

Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

3 Year Fixed

3.09% 5.0% APRC 80% £999 View
for 36 months
find out more

Representative example

A Mortgage of  £122,585.00, payable over 16 years and 7 months (199 months) initially on a fixed rate for 3 years (36 months) of 3.09% and then on our standard variable rate of 5.34% for the remaining 13 years and 7 months (163 months) would require 36 monthly payments of £315.66 then 163 monthly payments of £545.50. This is based on an interest-only repayment method. The total amount payable would be £224,615.38 made up of the loan amount plus interest (£100,576.38) with a £999.00 completion fee, £200.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.0% representative APRC.

5 Year Fixed

3.39% 4.8% APRC 80% £999 View
for 60 months
find out more

Representative example

A Mortgage of  £122,585.00, payable over 16 years and 7 months (199 months) initially on a fixed rate for 5 years (60 months) of 3.39% and then on our standard variable rate of 5.34% for the remaining 11 years and 7 months (139 months) would require 60 monthly payments of £346.30 then 139 monthly payments of £545.50. This is based on an interest-only repayment method. The total amount payable would be £220,967.64 made up of the loan amount plus interest (£96,928.64) with a £999.00 completion fee, £200.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.8% representative APRC.

Borrowing into Retirement Mortgages

Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

3 Year Discount

3.14% 4.4% APRC 60% £499 View
for 36 months
find out more

Representative example

A Mortgage of  £220,667.00, payable over 9 years and 5 months (113 months) initially on a discounted rate for 3 years (36 months) of 3.14% and then on our current standard variable rate of 5.34% for the remaining 6 years and 5 months (77 months) would require 36 monthly payments of £2,258.25 then 77 monthly payments of £2,417.36. The total amount payable would be £269,018.99 made up of the loan amount plus interest (£47,337.99) and a £260.00 valuation fee, £499.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.4% representative APRC.

Buy for Uni Mortgages

Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

3 Year Discount

4.99% 5.5% APRC 100% £999 View
for 36 months
find out more

Representative example

A Mortgage of  £156,130.00, payable over 6 years and 6 months (78 months) initially on a discounted rate for 3 years (36 months) of 4.99%  and then on our current standard variable rate of 5.34% for the remaining 3 years and 6 months (42 months) would require 36 monthly payments of £649.24 then 42 monthly payments of £694.78. This is based on an interest-only repayment method.  The total amount payable would be £210,770.84 made up of the loan amount plus interest (£53,186.84) and a £200.00 valuation fee, £999.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.5% representative APRC.

5 Year Discount

4.99% 5.4% APRC 100% £999 View
for 60 months
find out more

Representative example

A Mortgage of  £156,130.00, payable over 6 years and 6 months (78 months) initially on a discounted rate for 5 years (60 months) of 4.99%  and then on our current standard variable rate of 5.34% for the remaining 1 year and 6 months (18 months) would require 60 monthly payments of £649.24 then 18 monthly payments of £694.78. This is based on an interest-only repayment method.  The total amount payable would be £209,677.89 made up of the loan amount plus interest (£52,093.89) and a £200.00 valuation fee, £999.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.4% representative APRC.

First time buyer Family Deposit Mortgages

Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

3 Year Discount

3.34% 4.9% APRC 100% £499 View
for 36 months
find out more

Representative example

A Mortgage of  £139,026.00, payable over 17 years and 4 months (208 months) initially on a discounted rate for 3 years (36 months) of 3.34% and then on our current standard variable rate of 5.34% for the remaining 14 years and 4 months (172 months) would require 36 monthly payments of £881.34 then 172 monthly payments of £1,002.67. The total amount payable would be £205,525.91 made up of the loan amount plus interest (£65,545.91) and a £200.00 valuation fee, £499.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.9% representative APRC.

Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

3 Year Fixed

3.69% 5.0% APRC 100% £499 View
for 36 months
find out more

Representative example

A Mortgage of  £179,674.00, payable over 21 years and 5 months (257 months) initially on a fixed rate for 3 years (36 months) of 3.69% and then on our current standard variable rate of 5.34% for the remaining 18 years and 5 months (221 months) would require 36 monthly payments of £1,012.40 then 221 monthly payments of £1,154.54. The total amount payable would be £293,101.11 made up of the loan amount plus interest (£112,473.11) and a £200.00 valuation fee, £499.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.0% representative APRC.

5 Year Fixed

3.99% 4.9% APRC 100% £499 View
for 60 months
find out more

Representative example

A Mortgage of  £179,674.00, payable over 21 years and 5 months (257 months) initially on a fixed rate for 5 years (60 months) of 3.99% and then on our current standard variable rate of 5.34% for the remaining 16 years and 5 months (197 months) would require 60 monthly payments of £1,040.96 then 197 monthly payments of £1,147.03. The total amount payable would be £289,968.92 made up of the loan amount plus interest (£109,340.92) and a £200.00 valuation fee, £499.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.9% representative APRC.

Fresh Start Mortgages

Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

3 Year Discount

3.34% 4.9% APRC 100% £499 View
for 36 months
find out more

Representative example

A Mortgage of  £139,026.00, payable over 17 years and 4 months (208 months) initially on a discounted rate for 3 years (36 months) of 3.34% and then on our current standard variable rate of 5.34% for the remaining 14 years and 4 months (172 months) would require 36 monthly payments of £881.34 then 172 monthly payments of £1,002.67. The total amount payable would be £205,525.91 made up of the loan amount plus interest (£65,545.91) with a £499.00 completion fee, a £200.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.9% representative APRC.

How to apply...

The Loughborough mortgage service is tailored to each individual and offered on a fully advised basis where applicable. Our qualified advisers will spend time with you to understand your mortgage needs and financial circumstances before recommending the most suitable solution for you.

There are a number of ways you can arrange to talk to one of our friendly team of Advisers, choose what’s best for you: