Income*

Is there more than one applicant?

Yes No

The total amount you can borrow can vary widely from Lender to Lender and the above is purely an indication of the maximum amount available based on your income for illustrative purposes only. The actual amount you can borrow will take other things into account such as credit commitments and the above should only be considered a guide figure.

You could borrow up to...

£0

Most lenders will require a 5% deposit

Viewing properties? We can arrange your agreement in principle within 24-hours!

A mortgage valued at £0 with a 5.75% interest rate over 25 years would cost you £0 per month, which is 0% of your pre-tax income.

Popular FAQs

Is the borrow calculator accurate?

The “How Much Can I Borrow?” calculator provides a helpful estimate based on your input of financial details, such as income and outgoings.

While it uses standard mortgage lending principles, the actual amount you can borrow will depend on more detailed affordability assessments conducted by lenders, including credit checks and individual circumstances.

Therefore, the calculator should be viewed as a guide, and speaking directly to a mortgage advisor will give you a more tailored figure.

How long does the mortgage application process take?

The mortgage application process can vary depending on your situation and chosen lender.

Typically, from submitting your application to receiving an offer, it can take anywhere from two to six weeks.

This timeline includes securing a decision in principle, undergoing credit checks, and the lender reviewing your financial details and documentation.

Can I get a mortgage with bad credit?

Getting a mortgage with bad credit can be more challenging, but it’s not impossible.

Some lenders offer specialist products for those with adverse credit histories, such as missed payments or County Court Judgements (CCJs).

Keep in mind that you may need a larger deposit, and interest rates could be higher than for applicants with a clean credit record.

What documents do I need to apply for a mortgage?

To apply for a mortgage, you’ll typically need to provide proof of income (such as payslips or tax returns for the self employed), bank statements, and proof of identity and address.

Lenders may also ask for details about any existing loans or debts, as well as your monthly expenses to assess your affordability.

Should I use a mortgage broker?

Yes, working with a mortgage broker can simplify the home-buying process and help you find the most suitable mortgage deal.

As a broker, we have access to a wide panel of lenders, including specialist options that might not be available directly to you.

We guide you through every step, from finding the most suitable rates to managing your application, ensuring you get the right mortgage for your unique circumstances.

Whether you’re a first time buyer, self employed, or have a more complex financial history, we’re here to help secure the most suitable outcome for you.

Our Customers Love Us

71 5 Star Reviews

daniel beever

Warren and Jo have been exceptional with helping us to find a better deal for our remortgage and I would recommend anyone who is having issues with their mortgage. To use Moneyman. Without doubt exceptional service. 👏

23 Oct 2026

Drew Zi

UkMoneyMan were a good business to work with. My particular demands were quite specific and they managed to find a mortgage provider to fit the exact requirements I needed and it was easy to work with them and they were very responsive. I highly recommend then to anyone for a hassle free service.

11 Aug 2026

Zoe Lambley

So so so helpful! Took the time several times to help and advise me. Wayne who I deal with you have been so nice and I’m very grateful for your help! ⭐️

8 Aug 2026

M Sharman

Very helpful, definitely made the process of finding and applying for mortgage and related insurance easier

28 Jul 2026

Walter Osborne

Easy to talk to and understand every step of applying for a mortgage made easy thank you

2 Jun 2026

Chris Leary

Extremely happy with all the staff that has dealt with our mortgage. Every step has been so smooth and stress free. Thank you so much to everyone at UK Moneyman

2 Jun 2026

H B

We have used Moneyman 3 times now, our initial mortgage and then twice for remortgage, and we definitely intend to use them again in the future. Would definitely recommend to others.

13 May 2026

Lindsay Banks

Ami was fantastic! Professional, knowledgeable, highly skilled at her job and caring, always considering the best needs of the individual, and working tirelessly to reach the best possible outcome. I would recommend her without hesitation, and am so glad I had her on my journey towards securing a motgage offer. Thank you so much!

15 Apr 2026

Elizabeth Heslip

Would 100000% recommend this service. Leo, my advisor held my hand and walked me through the process from start to finish. As a solo first time buyer, it was exactly what I needed, as I found the process very daunting. Stacey was fantastic on the document side of things, and both Leo and Stacey’s communication was fab with me.

16 Mar 2026

charlotte baxter

They have been very helpful and secured our mortgage offer very quickly. Jason was very efficient with the process from first call to us submitting documents and Stacey was great with updates after submitting the application.

12 Feb 2026

How Much Can I Borrow?