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Work out how much you can borrow based on your income and deposit size.
The “How Much Can I Borrow?” calculator provides a helpful estimate based on your input of financial details, such as income and outgoings.
While it uses standard mortgage lending principles, the actual amount you can borrow will depend on more detailed affordability assessments conducted by lenders, including credit checks and individual circumstances.
Therefore, the calculator should be viewed as a guide, and speaking directly to a mortgage advisor will give you a more tailored figure.
The mortgage application process can vary depending on your situation and chosen lender.
Typically, from submitting your application to receiving an offer, it can take anywhere from two to six weeks.
This timeline includes securing a decision in principle, undergoing credit checks, and the lender reviewing your financial details and documentation.
Getting a mortgage with bad credit can be more challenging, but it’s not impossible.
Some lenders offer specialist products for those with adverse credit histories, such as missed payments or County Court Judgements (CCJs).
Keep in mind that you may need a larger deposit, and interest rates could be higher than for applicants with a clean credit record.
To apply for a mortgage, you’ll typically need to provide proof of income (such as payslips or tax returns for the self employed), bank statements, and proof of identity and address.
Lenders may also ask for details about any existing loans or debts, as well as your monthly expenses to assess your affordability.
Yes, working with a mortgage broker can simplify the home-buying process and help you find the most suitable mortgage deal.
As a broker, we have access to a wide panel of lenders, including specialist options that might not be available directly to you.
We guide you through every step, from finding the most suitable rates to managing your application, ensuring you get the right mortgage for your unique circumstances.
Whether you’re a first time buyer, self employed, or have a more complex financial history, we’re here to help secure the most suitable outcome for you.
Our Customers Love Us
4.98 Rating605 Reviews
Anonymous
Friendly and helpful team that delivered an excellent service to us. They processed everything efficiently and they were very easy to work with. Would definitely recommend them ( have five already as a matter of fact!). Thank you
1 day ago
Charlotte
Brilliant service ⭐️⭐️⭐️⭐️⭐️
1 day ago
Louise
Jason has been very helpful with us remortgaging to final staircase. Jason has kept us updated and has answered any questions asked and has looked in to all options we have asked. Very happy. Lizzy communicated with us for the mortgage application...
1 day ago
Anonymous
Had a great experience with Matt Collinson. He listened to our needs and went above and beyond to find us the right mortgage and stuck with us after our first offer fell through. Thank you Matt!
6 days ago
Henry
Tom Bowes of UK Moneyman was really excellent: he provided really detailed and useful advice on all the questiions we asked and quickly and conveniently found us a mortgage product that worked for us.
1 week ago
Michelle
UK Moneyman have been fantastic with guiding us through the process of obtaining a mortgage in our 50’s when we thought it might not be possible. They have been excellent with every aspect from mortgage, health and buildings insurance. Their...
2 weeks ago
Alison
I had a unique situation and needed a mortgage. UK Moneyman's mortgage specialists provided an exceptional service. They have been extremely professional, knowlegable and patient in explaining everything to me in detai and in helping me find a...
2 weeks ago
Mr Thomas
Very helpful and everything done swiftly, would highly reccommend
2 weeks ago
Michelle
Highly recommend, everything has been sorted for our new house with professionalism, good advice and honesty. They have made the process of buying our forever home a pleasure
2 weeks ago
Michelle
Leo has been amazing from start to finish. He has got me a great deal and even kept me informed if rates changed and became better for me. Would highly recommend Leo and UK Moneyman.
3 weeks ago
Mrs Diane
Everyone has been extremely helpful & guided us in the right direction towards what we were wanting very professional & nothing was too much trouble
3 weeks ago
Mrs Suzanne
This team of people were amazing , advised and helped in every way they could. With a great result at the end .
4 weeks ago
Elizabeth
We had a fairly traumatic experience with our recent move, but Dan and Jonathan at UK Moneyman were there to help us at every step of the way. Their advice and assistance was first class and we would highly recommend them.
1 month ago
Robert
Comprehensive fuss free mortgage advice Very good communications throughout process
1 month ago
Mr Jeffrey
Absolutely great service from start to finish. Dan was amazing and everyone we spoke to after him. Couldn't be happier
1 month ago
Andrew
Fast and professional, what more needs to be said.
1 month ago
Ian
A very helpful team, excellent advice and support throughout the whole process. They enabled me to get a mortgage when i thought it wasnt possible! I highly recommend Dan and Johnathan!
1 month ago
Jeffrey
very helpful and kept on top of the whole process
1 month ago
Anonymous
Very happy I chose UK Moneyman for their mortgage advice and support in securing a mortgage offer as a first-time buyer. Charlie was my main contact and was incredibly helpful, friendly, and always quick to answer any questions. Catherine was also...
1 month ago
Ms Jane
Friendly, knowledgable advice. Evening and weekend appointments available. Reassuring and experienced,
1 month ago
Helpful Guides
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Read our 605 Reviews
Halifaxmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Halifaxmoneyman 2025.
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Halifaxmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Halifaxmoneyman 2025.
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