Mortgage Calculator

Our mortgage calculator is computer generated and relies on certain assumptions. It is designed to give you a general idea of the repayments you can expect to pay for a specified mortgage term and interest rate. For a more exact figure and to find out how much you can borrow, please contact our expert team of mortgage advisers.

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Since April 2014 and the introduction of the Mortgage Market Review (MMR) the mortgage amount that a lender with allow is no longer governed by just your income.

Instead, lenders now work out the maximum they can lend to you based on Affordability. On the most basic level, this involves looking at what income is coming into the household, looking at what committed expenditure is going out of the household i.e. loans, credit cards, living expenses and seeing what is left to service any mortgage.

The amounts that lenders will lend can vary massively depending on your circumstances. The best way to find out how much you can borrow is to undergo a full Financial Analysis with your broker or bank.

Our Customers Say...

					<img width="100" height="19" src="https://www.elems.co.uk/wp-content/plugins/wp-google-places-review-slider/public/partials/imgs/stars_5_yellow.png" alt="5 star review" class="wprevpro_t1_star_img_file">  Fantastic Service. Really took the hassle out of mortgage hunting. Would definitely use again. Stress free from start to finish and very professional. Thank you				
<img src="https://lh3.ggpht.com/-pfii0f1dbEs/AAAAAAAAAAI/AAAAAAAAAAA/i4Dy32gWvj8/s128-c0x00000000-cc-rp-mo/photo.jpg?sz=100" alt="thumb" class="wprevpro_t1_IMG_4" />Laura Shaw
 
					<img width="100" height="19" src="https://www.elems.co.uk/wp-content/plugins/wp-google-places-review-slider/public/partials/imgs/stars_5_yellow.png" alt="5 star review" class="wprevpro_t1_star_img_file">  Extremely professional and responsive service by Ivan. He was always happy to help and support me through the whole process. Highly recommend!!				
<img src="https://lh6.ggpht.com/-ChSSzDlB-3M/AAAAAAAAAAI/AAAAAAAAAAA/DmL3WPoHniI/s128-c0x00000000-cc-rp-mo/photo.jpg?sz=100" alt="thumb" class="wprevpro_t1_IMG_4" />Kimbo 85
 
					<img width="100" height="19" src="https://www.elems.co.uk/wp-content/plugins/wp-google-places-review-slider/public/partials/imgs/stars_5_yellow.png" alt="5 star review" class="wprevpro_t1_star_img_file">  What a superb service. From a great  professional work ethic, to monthly mortgage savings Ivan had it all. 
Was always available if anything needed to be discussed. Made sure we got the best possible deal available and made us look at our finances in a different way, leading to fantastic reductions in a our monthly out goings. 
Best mortgage service I've had. Would definitely recommend.				
<img src="https://lh6.ggpht.com/--sb_BDzDeV8/AAAAAAAAAAI/AAAAAAAAAAA/T5LbOyBQits/s128-c0x00000000-cc-rp-mo/photo.jpg?sz=100" alt="thumb" class="wprevpro_t1_IMG_4" />Beth Clay
 
					<img width="100" height="19" src="https://www.elems.co.uk/wp-content/plugins/wp-google-places-review-slider/public/partials/imgs/stars_5_yellow.png" alt="5 star review" class="wprevpro_t1_star_img_file">  Ivan Whitelocks satisfied all my needs. Guiding me through the process with ease. He was easy to reach and quick to reply to any enquires. Going above and beyond at the end of our purchase when I hit a snag with my conveyances.  Fully recommend him and look forward to speaking to him again if I ever need mortgage advice again.				
<img src="https://lh3.ggpht.com/-PGUbocJ1IVE/AAAAAAAAAAI/AAAAAAAAAAA/1qfnE0jzXX8/s128-c0x00000000-cc-rp-mo/photo.jpg?sz=100" alt="thumb" class="wprevpro_t1_IMG_4" />Peter Joynson