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

1.74% 4.5% APRC 80% £899 View
for 24 months
find out more

Representative example

A Mortgage of  £151,417.00, payable over 17 years and 5 months (209 months) initially on a discounted rate for 2 years (24 months) of 1.74% and then on our current standard variable rate of 5.09% for the remaining 15 years and 5 months (185 months) would require 24 monthly payments of £840.32 then 185 monthly payments of £1,064.48. The total amount payable would be £218,664.50 made up of the loan amount plus interest (£65,873.50) with a £220.00 valuation fee, £899.00 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 4.5% representative APRC.

2 Year Discount

1.94% 4.6% APRC 90% £800 View
for 24 months
find out more

Representative example

A Mortgage of £151,417.00, payable over 17 years and 5 months (209 months) initially on a discounted rate for 2 years (24 months) of 1.94% and then on our current standard variable rate of 5.09% for the remaining 15 years and 5 months (185 months) would require 24 monthly payments of £854.34 then 185 monthly payments of £1,066.39. The total amount payable would be £219,462.01 made up of the loan amount plus interest (£66,590.01) with a £200.00 booking fee, £800.00 completion fee, £200.00 valuation fee, £30.00 CHAPS fee, £105.0.0 legal fees and a mortgage exit administration fee of £120.00. The overall cost for comparison is 4.6% representative APRC.

3 Year Discount

2.29% 4.3% APRC 80% £399 View
for 36 months
find out more

Representative example

A Mortgage of  £151,417.00, payable over 17 years and 5 months (209 months) initially on a discounted rate for 3 years (36 months) of 2.29% and then on our current standard variable rate of 5.09% for the remaining 14 years and 5 months (173 months) would require 36 monthly payments of £879.22 then 173 monthly payments of £1,057.53. The total amount payable would be £215,746.90 made up of the loan amount plus interest (£63,455.90) with a £220.00 valuation fee, £399.00 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 4.3% representative APRC.

Further Advance 3 Year Discount

3.04% 4.5% APRC 90% £0 View
for 36 months
find out more

Representative example

A Mortgage of  £22,164.00, payable over 16 years and 5 months (197 months) initially on a discounted rate for 3 years (36 months) of 3.04% and then on our current standard variable rate of 5.09% for the remaining 13 years and 5 months (161 months) would require 36 monthly payments of £143.05 then 161 monthly payments of £162.18. The total amount payable would be £31,415.30 made up of the loan amount plus interest (£9,146.30) and a £75.00 valuation fee and £30.00 CHAPS fee. The overall cost for comparison is 4.5% representative APRC.       

FTB 3 Year Discount

3.59% 4.9% APRC 95% £99 View
for 36 months
find out more

Representative example

A Mortgage of  £151,417.00, payable over 17 years and 5 months (209 months) initially on a discounted rate for 3 years (36 months) of 3.59%  and then on our current standard variable rate of 5.09% for the remaining 14 years and 5 months (173 months) would require 36 monthly payments of £975.48 then 173 monthly payments of £1,075.55. The total amount payable would be £223,760.69 made up of the loan amount plus interest (£70,322.56) with a £99 completion fee, valuation fee £220.00, £30.00 CHAPS fee, £1,4671.13 Higher Lending Charge, £105.00 legal fees  and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.9% representative APRC.

Fixed Rate Mortgages

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

2 Year Fixed

2.09% 4.7% APRC 90% £1000 View
for 24 months
find out more

Representative example

A Mortgage of £169,749.00, payable over 23 years and 8 months (284 months) initially on a fixed rate for 2 years (24 months) of 2.09% and then on our current standard variable rate of 5.09% for the remaining 21 years and 8 months (260 months) would require 24 monthly payments of £758.18 then 260 monthly payments of £1,007.01. The total amount payable would be £281,951.29 made up of the loan amount plus interest (£110,527.29) with a £200.00 booking fee, £1000.00 completion fee, £220.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.7% representative APRC. 

3 Year Fixed

2.09% 4.5% APRC 80% £990 View
for 36 months
find out more

Representative example

A Mortgage of  £169,749.00, payable over 23 years and 8 months (284 months) initially on a fixed rate for 3 years (36 months) of 2.09% and then on our current standard variable rate of 5.09% for the remaining 20 years and 8 months (248 months) would require 36 monthly payments of £758.18 then 248 monthly payments of £995.74. The total amount payable would be £276,001.09 made up of the loan amount plus interest (£104,747.09) with a £990.00 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 4.5% representative APRC. 

3 Year Fixed

2.49% 4.6% APRC 90% £1000 View
for 36 months
find out more

Representative example

A Mortgage of £169,749.00 payable over 23 years and 8 months (284 months) initially on a fixed rate for 3 years (36 months) of 2.49% and then on our current standard variable rate of 5.09% for the remaining 20 years and 8 months (248 months) would require 36 monthly payments of £791.62 then 248 monthly payments of £1,000.72. The total amount payable would be £278,666.33 made up of the loan amount plus interest (£107,242.33) with a £200.00 booking fee, £1,000.00 completion fee, £220.00 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. 

Further Advance 3 Year Fixed Rate

2.99% 4.4% APRC 90% £0 View
for 36 months
find out more

Representative example

A Mortgage of  £21,988.00, payable over 13 years and 5 months (161 months) initially on a fixed rate for 3 years (36 months) of 2.99% and then on our current standard variable rate of 5.09% for the remaining 10 years and 5 months (125 months) would require 36 monthly payments of £165.96 then 125 monthly payments of £183.82. The total amount payable would be £29,108.17 made up of the loan amount plus interest (£7,015.17) and a £75.00 valuation fee and £30.00 CHAPS fee. The overall cost for comparison is 4.4% representative APRC.     

3 Year Fixed

3.49% 4.9% APRC 95% £499 View
for 36 months
find out more

Representative example

A Mortgage of  £169,749.00, payable over 23 years and 8 months (284 months) initially on a fixed rate for 3 years (36 months) of 3.49%  and then on our current standard variable rate of 5.09% for the remaining 20 years and 8 months (248 months) would require 36 monthly payments of £878.97 then 248 monthly payments of £1,012.50. The total amount payable would be £285,928.51 made up of the loan amount plus interest (£113,455.31) and a £220.00 valuation fee, £499.00 completion, £100.00 booking fee, £1,650.20 Higher Lending Charge, £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

2.39% 4.1% APRC 80% £399 View
for 60 months
find out more

Representative example

A Mortgage of  £169,749.00, payable over 23 years and 8 months (284 months) initially on a fixed rate for 5 years (60 months) of 2.39% and then on our current standard variable rate of 5.09% for the remaining 18 years and 8 months (224 months) would require 60 monthly payments of £783.18 then 224 monthly payments of £979.27. The total amount payable would be £267,632.30 made up of the loan amount plus interest (£96,969.30) with a £399.00 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 4.1% representative APRC. 

5 Year Fixed

2.59% 4.2% APRC 80% £0 View
for 60 months
find out more

Representative example

A Mortgage of £169,749.00, payable over 23 years and 8 months (284 months) initially on a fixed rate for 5 years (60 months) of 2.59% and then on our current standard variable rate of 5.09% for the remaining 18 years and 8 months (224 months) would require 60 monthly payments of £800.12 then 224 monthly payments of £983.28. The total amount payable would be £269,115.15 made up of the loan amount plus interest (£98,851.15) with 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 4.2% representative APRC. 

5 Year Fixed

2.99% 4.4% APRC 90% £300 View
for 60 months
find out more

Representative example

A Mortgage of  £169,749.00, payable over 23 years and 8 months (284 months) initially on a fixed rate for 5 years (60 months) of 2.99% and then on our current standard variable rate of 5.09% for the remaining 18 years and 8 months (224 months) would require 60 monthly payments of £834.64 then 224 monthly payments of £991.20. The total amount payable would be £273,483.77 made up of the loan amount plus interest (£102,760.77) with a £199.00 booking fee, £220.00 valuation fee, £300.00 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 4.4% representative APRC.   

5 Year Fixed

3.99% 4.9% APRC 95% £99 View
for 60 months
find out more

Representative example

A Mortgage of  £169,749.00, payable over 23 years and 8 months (284 months) initially on a fixed rate for 5 years (60 months) of 3.99% and then on our current standard variable rate of 5.09% for the remaining 18 years and 8 months (224 months) would require 60 monthly payments of £924.61 then 224 monthly payments of £1,010.13. The total amount payable would be £284,610.30 made up of the loan amount plus interest (£112,537.10) with a £100.00 booking fee, £220.00 valuation fee, £99.00 completion fee, £30.00 CHAPS fee, £1,650.20 Higher Lending Charge, £105.00 legal fees and a mortgage exit administration fee of £120.00. The overall cost for comparison is 4.9% representative APRC.                                          

Self-Build Mortgages

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

2 Year Discount

4.79% 5.3% APRC 75% £525 View
for 24 months
find out more

Representative example

A Mortgage of  £151,417.00, payable over 17 years and 5 months (209 months) initially on a discounted rate for 2 years (24 months) of 4.79% and then on our current standard variable rate of 5.09% for the remaining 15 years and 5 months (185 months) would require 24 monthly payments of £1,069.59 then 185 monthly payments of £1,091.49. The total amount payable would be £229,221.31 made up of the loan amount plus interest (£76,764.31) and a £260.00 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 5.3% representative APRC.      

Buy To Let Mortgages

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

2 Year Discount

2.09% 4.8% APRC 60% £1499 View
for 24 months
find out more

Representative example

A Mortgage of  £133,519.00, payable over 15 years and 5 months (185 months) initially on a discounted rate for 2 years (24 months) of 2.09%  and then on our current standard variable rate of 5.09% for the remaining 13 years and 5 months (161 months) would require 24 monthly payments of £232.55 then 161 monthly payments of £566.34. This is based on an interest-only repayment method. The total amount payable would be £232,600.23 made up of the loan amount plus interest (£96,967.23) and a £260.00 valuation fee, £1499.00 completion fee, £100.00 booking fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage administration exit fee. The overall cost for comparison is 4.8% representative APRC.  

2 Year Discount

2.24% 4.9% APRC 75% £1499 View
for 24 months
find out more

Representative example

A Mortgage of  £133,519.00, payable over 15 years and 5 months (185 months) initially on a discounted rate for 2 years (24 months) of 2.24%  and then on our current standard variable rate of 5.09% for the remaining 13 years and 5 months (161 months) would require 24 monthly payments of £249.24 then 161 monthly payments of £566.34. This is based on an interest-only repayment method. The total amount payable would be £232,977.80 made up of the loan amount plus interest (£97,384.80) and a £220.00 valuation fee, £1499.00 completion fee, £100.00 booking fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage administration exit fee. The overall cost for comparison is 4.9% representative APRC.  

2 Year Discount

3.99% 5.1% APRC 80% £999 View
for 24 months
find out more

Representative example

A Mortgage of  £133,519.00, payable over 15 years and 5 months (185 months) initially on a discounted rate for 2 years (24 months) of 3.99% and then on our current standard variable rate of 5.09% for the remaining 13 years and 5 months (161 months) would require 24 monthly payments of £447.37 then 161 monthly payments of £570.71. This is based on an interest-only repayment method.  The total amount payable would be £238,146.30 made up of the loan amount plus interest (£103,173.30) and a £200.00 valuation fee, £999.00 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.

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

3 Year Fixed

2.89% 4.7% APRC 75% £0 View
for 36 months
find out more

Representative example

A Mortgage of £133,519.00 payable over 15 years and 5 months (185 months) initially on a fixed rate for 3 years (36 months) of 2.89% and then on our current standard variable rate of 5.09% for the remaining 12 years and 5 months (149 months) would require 36 monthly payments of £321.56 then 149 monthly payments of £566.34. This is based on an interest-only repayment method. The total amount payable would be £230,251.59 made up of the loan amount plus interest (£96,257.59) with a £220.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.7% representative APRC. 

5 Year Fixed

3.39% 4.6% APRC 75% £0 View
for 60 months
find out more

Representative example

A Mortgage of £133,519.00 payable over 15 years and 5 months (185 months) initially on a fixed rate for 5 years (60 months) of 3.39% and then on our current standard variable rate of 5.09% for the remaining 10 years and 5 months (125 months) would require 60 monthly payments of £377.19 then 125 monthly payments of £566.34. This is based on an interest-only repayment method. The total amount payable would be £227,773.10 made up of the loan amount plus interest (£93,779.10) with a £220.00 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. 

Borrowing into Retirement Mortgages

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

3 Year Discount

2.89% 4.5% APRC 60% £99 View
for 36 months
find out more

Representative example

A Mortgage of  £151,417.00, payable over 17 years and 5 months (209 months) initially on a discounted rate for 3 years (36 months) of 2.89% and then on our current standard variable rate of 5.09% for the remaining 14 years and 5 months (173 months) would require 36 monthly payments of £922.90 then 173 monthly payments of £1,065.77. The total amount payable would be £218,589.80 made up of the loan amount plus interest (£66,528.80) and a £290 valuation fee, £99.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.5% representative APRC.    

3 Year Discount

3.19% 4.6% APRC 60% £99 View
for 36 months
find out more

Representative example

A Mortgage of  £151,417.00, payable over 17 years and 5 months (209 months) initially on a discounted rate for 3 years (36 months) of 3.19%  and then on our current standard variable rate of 5.09% for the remaining 14 years and 5 months (173 months) would require 36 monthly payments of £945.22 then 173 monthly payments of £1,069.79. The total amount payable would be £220,099.10 made up of the loan amount plus interest (£68,068.10) and a £260.00 valuation fee, £99.00 completion fee, £30.00 CHAPS fee, £105 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.6% representative APRC.     

Buy for Uni Mortgages

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

3 Year Discount

4.79% 5.2% APRC 100% £0 View
for 36 months
find out more

Representative example

A Mortgage of  £151,417.00, payable over 17 years and 5 months (209 months) initially on a discounted rate for 3 years (36 months) of 4.79% and then on our current standard variable rate of 5.09% for the remaining 14 years and 5 months (173 months) would require 36 monthly payments of £604.41 then 173 monthly payments of £642.26. This is based on an interest only repayment method. The total amount payable would be £286,219.64 made up of the loan amount plus interest (£133,447.64) and a £200.00 valuation fee, £900.00 booking fee, £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.

3 Year Discount

4.99% 5.3% APRC 100% £0 View
for 36 months
find out more

Representative example

A Mortgage of  £151,417.00, payable over 17 years and 5 months (209 months) initially on a discounted rate for 3 years (36 months) of 4.99%  and then on our current standard variable rate of 5.09% for the remaining 14 years and 5 months (173 months) would require 36 monthly payments of £629.64 then 173 monthly payments of £642.26. This is based on an interest only repayment method.  The total amount payable would be £287,154.39 made up of the loan amount plus interest (£134,382.39) and a £200.00 valuation fee, £900.00 booking fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.3% representative APRC.

5 Year Discount

4.79% 5.2% APRC 100% £0 View
for 60 months
find out more

Representative example

A Mortgage of  £151,417.00, payable over 17 years and 5 months (209 months) initially on a discounted rate for 5 years (60 months) of 4.79% and then on our current standard variable rate of 5.09% for the remaining 12 years and 5 months (149 months) would require 60 monthly payments of £604.41 then 149 monthly payments of £642.26. This is based on an interest only repayment method.  The total amount payable would be £285,311.50 made up of the loan amount plus interest (£132,539.50) and a £200.00 valuation fee, £900.00 booking fee, £30.00 CHAPS fee, £105 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.2% representative APRC.

5 Year Discount

4.99% 5.3% APRC 100% £0 View
for 60 months
find out more

Representative example

A Mortgage of  £151,417.00, payable over 17 years and 5 months (209 months) initially on a discounted rate for 5 years (60 months) of 4.99% and then on our current standard variable rate of 5.09% for the remaining 12 years and 5 months (149 months) would require 60 monthly payments of £629.64 then 149 monthly payments of £642.26. This is based on an interest only repayment method.  The total amount payable would be £286,851.74 made up of the loan amount plus interest (£134,079.74) and a £200.00 valuation fee, £900.00 booking fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.3% representative APRC.

First time buyer Family Deposit Mortgages

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

5 Year Discount

3.54% 4.4% APRC 100% £0 View
for 60 months
find out more

Representative example

A Mortgage of  £151,417.00, payable over 17 years and 5 months (209 months) initially on a discounted rate for 5 years (60 months) of 3.54% and then on our current standard variable rate of 5.09% for the remaining 12 years and 5 months (149 months) would require 60 monthly payments of £971.66 then 149 monthly payments of £1,061.05.  The total amount payable would be £217,483.27 made up of the loan amount plus interest (£65,412.27) and a £200.00 valuation fee, £199.00 booking 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 Discount

3.74% 4.6% APRC 100% £0 View
for 60 months
find out more

Representative example

A Mortgage of  £151,417.00, payable over 17 years and 5 months (209 months) initially on a discounted rate for 5 years (60 months) of 3.74% and then on our current standard variable rate of 5.09% for the remaining 12 years and 5 months (149 months) would require 60 monthly payments of £986.97 then 149 monthly payments of £1,065.39. The total amount payable would be £219,075.38 made up of the loan amount plus interest (£67,004.38) and a £200.00 valuation fee, £199.00 booking 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.

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

5 Year Fixed

3.79% 4.7% APRC 100% £0 View
for 60 months
find out more

Representative example

A Mortgage of £169,749.00, payable over 23 years and 8 months (284 months) initially on a fixed rate for 5 years (60 months) of 3.79% and then on our current standard variable rate of 5.09% for the remaining 18 years and 8 months (224 months) would require 60 monthly payments of £906.20 then 224 monthly payments of £1,006.46. The total amount payable would be £280,981.81 made up of the loan amount plus interest (£110,578.81) and a £200.00 valuation fee, £199.00 booking fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.7% representative APRC.

5 Year Fixed

3.99% 4.8% APRC 100% £0 View
for 60 months
find out more

Representative example

A Mortgage of £169,749.00, payable over 23 years and 8 months (284 months) initially on a fixed rate for 5 years (60 months) of 3.99% and then on our current standard variable rate of 5.09% for the remaining 18 years and 8 months (224 months) would require 60 monthly payments of £924.61 then 224 monthly payments of £1,010.13. The total amount payable would be £282,940.10 made up of the loan amount plus interest (£112,537.10) and a £200.00 valuation fee, £199.00 booking 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.

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: