Training Session · Beginner · 10–12 min+45 Mortgage Fitness Unlocks: Borrowing Confident badge

How Much Can I Borrow?

Salary is only the starting point. Explore the levers lenders actually use, run a live borrowing simulator, then leave with a personalised action plan.

Welcome

Borrowing capacity isn't your salary × 4.5.

Lenders build your borrowing figure from income, commitments, dependants, deposit and credit health — then stress-test it. This session lets you see every lever in real time.

Live Borrowing Simulator

See the five levers

Earn Borrowing Confident

Company details: Getting Your Mortgage Ltd. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF, United Kingdom. ICO registration: ZC177396.

Regulatory status: GYM provides Mortgage Fitness guidance only and is not itself authorised by the Financial Conduct Authority to give regulated mortgage advice. Any regulated mortgage advice is provided by FCA-authorised advisers we introduce you to, after a full fact-find. The Mortgage Fitness Score is for guidance only and is not a mortgage offer, decision in principle or guarantee of approval.

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

Think carefully before securing other debts against your home. Buy-to-let mortgages and some forms of commercial or overseas lending are not regulated by the Financial Conduct Authority.

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First-Time Buyer Foundations

How Much Can I Borrow? · 10 min · +45 XP