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How much can I borrow?

Whether you're moving home, buying your first property or looking for a buy to let mortgage, SoSmart Money is here to help. Use our calculator to find out how much you may be able to borrow.*

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Find out how much you could borrow with our mortgage calculator*

How much could I borrow?

Using our mortgage calculator can give you an indication of how much you may be able to borrow based on your salary (and that of your partner if applying for a joint mortgage).  However this is just an illustration and the actual amount will be determined by a number of factors.*

Once you have an idea of the value of mortgage that you'll be looking for then you can compare a wide range of lenders to see what is currently available and compare rates.  This will show you what interest rate you are likely to pay and give an example of the monthly payments.

Each lender has different criteria for their application - if you want to know your likelihood of being accepted for a mortgage then it may be wise to speak to a mortgage adviser.  They will be able to assess your financial situation, help with your application and let you know the lenders where you're likely to be accepted.

How can we help you?

SoSmart Money are specialists when it comes to mortgage and insurance advice. Our trained expert advisers have access to the UK’s leading lenders and using their knowledge and skills will place you with the most suitable leader and product for your needs.

Speak to one of our experts for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.

trust pilot

"Matthew at So Smart found me the best deal for my first Mortgage, he was extremely helpful! I would highly recommend this company!"

"I've been looking to switch mortgages recently to secure a better rate and the guys at So Smart Money helped me do just that."

"My mortgage enquiry was dealt with swiftly and professionally. I would highly recommend So Smart Money to others."

"I've used sosmartmoney a couple of times now, I checked my old mortgage with them and it encouraged me to get a better deal."


Winner of AI Finance awards 2015 for:
Best personal finance comparison site &
Best online price comparison platform

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