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Mortgage Affordability
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When you begin the mortgage process, one of the first things you need to figure out is how much you can borrow. To get an approximate figure, you can use the calculator below. However, it is important to note that this is not an exact amount, as it does not take all factors into consideration. If you would like a more precise figure based on your unique circumstances, it is recommended that you book an appointment to speak with an adviser.

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How does the lender calculate my mortgage affordability?

When determining how much you can borrow for mortgage affordability, lenders consider several key factors:

  1. Income and Expenses

  2. Debt-to-Income Ratio

  3. Credit History

  4. Loan-to-Value Ratio

  5. Affordability Assessments

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