How much could you borrow?
See what a wide panel of lenders might lend you — built by our sister site MortgageAffordability.
This is an information tool, not advice: it doesn't give a recommendation, a decision in principle, or a guarantee any lender will lend to you.
The affordability check runs your income and deposit against a wide panel of UK lenders to give you an indicative borrowing range. It's a different question from the one our own eligibility checker answers: eligibility asks "which lenders will consider a visa holder like me at all", while affordability asks "given my income, roughly how much could I borrow" — most visa buyers need both before they start looking at property.
One thing to know going in: the affordability panel doesn't itself gate on visa status or time left on a visa the way our foreign-national tools do. If you're a visa holder, treat the range this tool gives you as a ceiling on borrowing power, then cross-check it against your actual lender panel — narrowed by residency, visa time and deposit size — using the tools linked below.
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How visa status changes the picture
An affordability range on its own doesn't tell you which lenders would actually lend to a visa holder, or how much deposit they'd ask for. From our own verified lender criteria: a foreign national with under 12 months' UK residency and below a lender's income threshold is typically capped at 75% LTV by several high-street lenders, whereas gaining ILR or settled status can unlock a meaningfully higher ceiling — at NatWest, for example, the published LTV cap for foreign nationals without ILR is 75%, rising to 95% once you have it, a 20-point jump. See the exact figures for every lender we track on the ILR mortgage unlock page.
Deposit size varies just as much by lender as by affordability: on a £350,000 purchase, a sole applicant on a work visa earning £45,000 could see anything from a £35,000 deposit (Barclays' broker-corroborated 90% LTV route, which has no minimum residency or income test) up to £87,500 (lenders capped at 75% LTV without a stronger income or residency route). Run your own numbers on the deposit calculator.
FAQ
Does the affordability check know I'm on a visa?
No — it works from income, outgoings and deposit, the same as it would for a UK citizen. It doesn't ask about visa type, time in the UK or time left on a visa, so it won't reflect the eligibility narrowing those factors cause at many lenders. Use it for a borrowing-power ceiling, then use our eligibility checker to see which lenders on that list would actually consider your visa status.
Is this the same lender panel as your other tools?
No — this affordability check is built and run by our sister site, MortgageAffordability, against its own wide lender panel. Our foreign-national tools (the eligibility checker, deposit calculator, foreign-income calculator and ILR unlock table) are built separately, on a panel of lenders whose foreign-national criteria we've individually verified.
I'm paid in a foreign currency — will that be handled correctly?
Enter the GBP equivalent you'd expect a lender to use, not your foreign- currency salary directly. How much of that income actually counts varies sharply by lender — some use 100%, others apply a 20–25% haircut, and a few don't accept certain currencies at all. See the exact breakdown on the foreign income calculator.
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