Know what you can borrow
Work out a monthly payment, see what your income could support, then ask an adviser to pre-qualify you.
- Free calculator, no sign-up
- Independent advisers
- Indicative figures, never a credit check
Mortgage calculator
Change any figure and the result updates as you type.
Monthly payment
$2,275
- Loan amount
- $360,000
- Total interest
- $459,160
How much could I afford?
Rule used for United States: 36% of gross income.
Enter your income to see an indicative price range.
These figures are estimates, not an offer or a credit decision. They leave out taxes, insurance and fees, and a lender sets the real rate and limit.
Get pre-qualified
Four short steps. You will see an indicative result straight away.
Our mortgage partners
Lenders and banks our advisers work with.
Visit website (opens in a new tab)Northgate Home Loans Lender
A fictional UK mortgage lender with products for first-time buyers and landlords.
Visit website (opens in a new tab)Bayfield Mortgage Group Lender
A fictional US and Canadian mortgage broker serving cross-border borrowers.
Mortgage guides
Plain-English reading before you talk to a lender.
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Read the guideBuying your first home in the US: closing costs explained
The price on the listing is only part of the cash you need. Here is what closing costs are, who charges them and how to estimate them before you make an offer.
Read the guideLeasehold vs freehold explained
Why a flat can be cheaper than a house for reasons that have nothing to do with size, and what ground rent, service charges and lease length mean for your money.
Read the guide
Frequently asked questions
What is a mortgage pre-approval?
A pre-approval is a lender’s written estimate of how much it will lend you, based on a review of your income, debts and credit history. It shows sellers you are serious and helps you set a realistic budget. It is not a guarantee of final approval.
Fixed or variable rate: which is better?
A fixed rate gives certainty over a set period, usually two to ten years, and suits buyers with tight budgets. A variable or tracker rate can start lower and rise or fall with the market. Compare total costs over the period you expect to keep the loan, including fees for early repayment.
Can a non-resident get a mortgage?
Yes in most countries, but terms differ. In Portugal and Spain, banks may lend up to 60% to 70% of the price to non-residents. UK lenders will lend to expatriates with higher deposits and specialist products. Expect to provide more documentation, including tax returns from your country of residence.
What affects my mortgage interest rate?
Lenders consider your credit score, the size of your down payment, the loan-to-value ratio, your employment stability and the type of property. A larger deposit and a stronger credit profile typically bring lower rates.