What Can You Borrow?

Use our calculator below for a quick, indicative idea of how much you might be able to borrow. It only takes a few minutes and gives you a helpful starting point.

For an accurate figure, though, it’s always best to speak to one of our mortgage brokers. Every lender looks at income differently, some are more favourable towards self-employed or contractor income, others lend more generously depending on your industry or sector, and we know exactly which lenders to match you with based on your circumstances.

Use our calculator below for a quick estimate to get you started
Speak to one of our mortgage brokers for an accurate figure who knows exactly which lenders suit your income type
We can usually provide a Decision in Principle after just a 20–30 minute fact-find call (subject to evidence of income)
We don’t charge anything until the mortgage completes so there is no downside in talking to one of our experienced brokers to find out how much you could borrow
Avoid being declined by lenders who don’t understand your income – which can have a negative impact on your credit rating
Clear guidance and advice on preparing for your new mortgage or remortgage application

Ready for a more accurate picture? Get in touch and let’s find out exactly what you can borrow.

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Mortgage Services

Our Mortgage Services

What type of mortgage are you looking for?

Mortgages

Remortgages

Remortgaging is about securing the best possible rate available across the whole market.

Mortgages

Self-Employed Mortgages

Mortgages for business owners, contractors and freelancers, using accounts, dividends or day rates to prove income.

Mortgages

Buy to Let Mortgages

Finance for landlords and property investors, from a single rental to a growing portfolio, via specialist lenders.

Mortgages

New Purchases

Expert help for first-time buyers, from affordability checks and deposit options through to completion.

Mortgages

Contractor Mortgages

Mortgages for contractors and agency workers, using contract income, day rates or umbrella pay to prove affordability.

Mortgages

Company Director Mortgages

Mortgages for company directors, using salary, dividends and company accounts to prove income.

Mortgages

Expat Mortgages

UK mortgages for British expats abroad or returning home, with lenders who understand overseas income and circumstances.

Mortgages

Complex Income Mortgages

Mortgages for clients with multiple income sources, bonuses, or non-standard earnings that mainstream lenders struggle with.

Mortgage Calculator

Fill out the details below for an estimate of the amount that could be available to you

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Your estimated borrowing range

This calculator provides an indicative estimate based on your income. Results will update here as you enter your details.

This figure is for illustration purposes only and is not a guaranteed borrowing amount. Your actual mortgage affordability will depend on your personal circumstances, including your deposit amount, outgoings (e.g. loans, credit cards), household expenditure, and number of financial dependants.

If your income is above £75k PA, you may be able to borrow a higher amount subject to underwriting and deposit level.

These figures are estimates and not a guarantee of how much you can borrow. Please do not use this as financial advice. Get in touch for advice and a more accurate offering for your personal circumstances.

Customer Reviews

Our satisfied customers

“This is the second time I have been looked after by Jamie and Gemma at Seico, the first being during Covid where I needed to purchase a residential property concurrent with purchasing a B2L into a ltd company. This second time has been when both properties required to be re-mortgaged due to the large increases in interest rates.nnAs a contractor,…”

Ryan

Contractor

“The team were very proactive in managing our renewal at an uncertain time in terms of the economy and interest rates. They secured a good fixed term renewal / retention rate with our lender after completing a market review – it was smooth and hassle free and we are repayments have remain comparable for the next 2 years despite the rate rises.”

Tamara

“Jamie was absolutely amazing. They literally created a miracle for us in getting us a mortgage. We are so grateful for them & highly recommend their services. THANK YOU!”

Emma

“Andy and Clare looked after us brilliantly as we navigated getting our first mortgage. We felt very supported and would wholeheartedly recommend Seico to anyone looking for support in getting a mortgage. We weren't sure of how the process worked and the team were very patient with explaining the process. Thanks so much!”

Maya Luthra

“Becky Parker at Seico Group, has been my mortgage advisor for over two decades, and has always provided excellent, professional customer care, and found the best deals on offer. The Buy-to-Let market can be extremely challenging but having the support of Becky behind me, I have been very successful. Thank you, once again, for having my back.”

Sue

“I have used Jamie Challis at Seico for many years now for both my BTL and residential mortgages. He is great, really efficient, polite and a quick turnaround. I wouldn't hesitate to recommend Seico to anyone. 5* service”

Emma

“We are incredibly grateful to Matt, Andi, and Clare at Seico Insurance. We have only been in the UK for four years and are both self-employed, we really appreciated they propose the best products for us. Their responses were always prompt and helpful, making the whole process much easier.nnThere were a few worries and unexpected issues along the…”

S H

Self-employed

“My partner and I are first time buyers, and we were extra nervous about both being self employed. The team handled all our questions expertly and made the whole experience smooth and easy for us. They were super clear about everything we needed to provide and I would recommend them to any of my friends. Thank you so much!”

Jess Woodward

Self-employed

“I have used Matt & Karly (from Hove office) for new mortgages and remortgages for the past 6 years. They have always responded timely on email and also actually answer the telephone. They go the extra mile – even supporting complex decisions and providing extra information.”

Claire

“I had a really positive experience with mortgage broker services by Seico. My application wasn't straightforward, but they were supportive, responsive, and kept me updated every step of the way.nnTheir prompt communication and reassurance made a stressful process easier to manage, and I always felt they genuinely cared about getting the best…”

Mortgage Monitoring

Mortgage Monitoring

What Can You Borrow?