How much can I borrow with a mortgage?
If you’re buying with a mortgage, you’ll want to work out how much you’ll feel comfortable repaying each month.
See what homes you could afford
Get a lender-backed Mortgage in Principle to search more confidently and be offer ready. Or try an estimate to see your monthly payments.
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Your borrowing result will help you:
- Search confidently, knowing your realistic budget
- Strengthen your offer, when you’re ready
- No commitment or impact on credit score
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A Mortgage in Principle isn’t a mortgage offer, and you’re under no obligation to take out a mortgage with NatWest or any other lender. And remember, if you miss repayments, your home could be at risk. NatWest pays Rightmove a fee for each completed mortgage.
What is a Mortgage in Principle?
What is a Mortgage in Principle?
A Mortgage in Principle, also called an Agreement or Decision in Principle, is a certificate from a lender showing how much they might lend you.
You simply tell them your income and outgoings, they run a soft check, and you get your results.
But a Mortgage in Principle isn’t a mortgage offer. In short: it’s a strong hint, not a promise. The lender still has to properly check everything (your payslips, the actual property, etc.) before they give you a real, binding offer.
Explore our mortgage affordability calculator
- Define your home buying budget
- Find homes that you could afford
- Understand your mortgage repayments
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See your remortgage options
Here’s why it’s worth checking if remortgaging is the right choice for you:
- Check your rate options early to know where you stand
- Access the best deals from our broker partner when your fixed term ends
- Access cash or borrow additional funds to plan for a home renovation
Mortgage guides and tips
Go to Mortgage guides
Getting a Mortgage in Principle
A Mortgage in Principle is a personalised document confirming an amount of money which a lender believes they would be able to lend you.
What are the current UK mortgage rates?
Lenders change the rates of their mortgage products regularly. That’s why we update the average mortgage rates weekly.
What is a mortgage broker or adviser?
Mortgage brokers – also known as a mortgage advisers – can help you to find the best deal for you. They can also give you advice if you’re remortgaging.
What is a credit score and how can you improve yours?
Your credit score gives mortgage lenders an idea of how you’ve managed credit, and indicates how well you’d manage repayments if they were to lend to you.
How do mortgage lenders use your credit score?
Your credit score is used to give mortgage lenders an idea of how you’ve managed credit in the past.
What are mortgage terms and how do they work?
A mortgage term refers to the number of years it will take to repay your loan, as well as the interest.
Jargon buster
Property jargon explained: Understand terms from affordable housing to valuation survey.
What are the current UK remortgage rates?
Check the average remortgage rates, as well as the best rates being offered.