The above calculator is designed for guidance only and advice relating to any of these areas should be sought from your Financial Adviser.

*If you are an ordinary employee and you borrow 6x salary, an increase in mortage rates could leave you penniless and then repossessed. Borrowing at high multiples is normally only suitable for those used to taking very high risks, (and willing to accept the potential consequences), or who expect a rapid increase in income.

**Only for people with reliably growing income, or where partners income is present but being ignored (eg because of a bad credit history, lack of accounts etc, but where you know that you can rely on it). Normally only given on a case by case basis. If you need this route, discuss with us first to see if we can help in your case.

Your home may be repossessed if you do not keep up repayments on your mortgage.

For details of our fees for mortgage business please see our page "How we are Paid".

The Financial Services Authority does not regulate loans and some forms of mortgage.

The above is subject to status and lenders' criteria which may be subject to change. This is not a guarantee of borrowing capacity or a recommendation of borrowing levels.

Last updated on September 27, 2007