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Character illustration of two people discussing their mortgage affordability in oranges, dark greys and greens, the Just Mortgage Brokers brand colours.

Mortgage Affordability

Thinking ahead? Understand your mortgage affordability now.

  • Great reviews
  • Exclusive rates
  • Free, no obligation initial consultation
  • Specialist advisors

Reveal your borrowing power with NO credit checks!

See what's possible
Start your journey

Mortgage Affordability

Thinking ahead? Understand your mortgage affordability now.

  • Great reviews
  • Exclusive rates
  • Free, no obligation initial consultation
  • Specialist advisors

Reveal your borrowing power with NO credit checks!

See what's possible
Start your journey

Your mortgage answers

It's a big step buying a home, and the world of mortgages can feel complicated. That's why we’ve gathered everything you need to know about borrowing and mortgage affordability in one place. Whether you're a first-time buyer or moving home, we'll help you get to grips with what you can borrow, what affects your application, and what your monthly repayments could look like.

Affordability calculator

Use our calculator to estimate what you might be able to borrow. It's completely free and there are no credit checks at this stage!
Start the calculator

5 mins

How much can I borrow today?

Your salary plays a key role in your mortgage options. We explain how lenders assess your income and what affects how much you can borrow.
Read the guide

1 mins

Mortgage on a £20k salary

Yes, it’s possible to get a mortgage on a £20k income. Learn how lenders assess affordability and how much they may lend in real terms.
Read the guide

4 mins

Joint borrower, sole proprietor

This option lets someone support your mortgage without owning part of your new home. Discover how it works and who it’s suitable for!
Read the guide

3 mins

Can I borrow 7x my salary?

Most lenders offer 4–5.5x your income, but 7x is sometimes possible. Find out when this applies and how to meet the extra criteria.
Read the guide

6 mins

Struggling to get a mortgage?

Not meeting affordability checks is common. See what might be affecting your chances and how to improve your mortgage application.
Read the guide

4 mins

Repayments on £150k mortgage

Want to borrow £150,000? Learn how monthly payments could vary depending on interest rate, mortgage term and repayment method.
Read the guide

4 mins

Repayments on £200k mortgage

We show what to expect when borrowing £200,000. You can use this to plan your budget and check how terms affect monthly repayments.
Read the guide

6 mins

Bank statements for mortgages

Lenders look at income, spending and savings habits. Understand what they’re checking and how to make sure your records are ready.
Read the guide

6 mins

Reasons for being declined

Common mortgage issues include poor credit or unusual income. Here’s what may cause a problem and what you can do to fix it.
Read the guide

4 mins

Maximum mortgage terms

Your age and income affect how long you can borrow. Learn about lender term limits and how your chosen term changes your payments.
Read the guide

4 mins

What is a gifted deposit for?

A gifted mortgage deposit helps you cover your mortgage down payment. It must be a true gift, with no expectation that you’ll repay it.
Read the guide

How much could you borrow?

No credit checks here! Simply fill out the information below to get your estimate and understand your potential mortgage affordability!

Why choose Just Mortgage Brokers?

We specialise in mortgages for real people, not just perfect credit scores. Whether you’ve faced bad credit, self-employment challenges, or complex financial situations, our experts find solutions tailored to you. No jargon, no judgment, just a dedicated team working to make homeownership possible.

1.

This is our specialty, It’s what we do!

Bad credit? Complex situation? This is what we do best.

2.

Direct access to top lenders

We speak directly with underwriters to find solutions others can’t.

3.

Exclusive tailored deals

Exclusive deals tailored to you Get access to mortgage offers you won’t find elsewhere.

4.

Trusted by our customers

Our great reviews speak for themselves—real help, real results.

Excellent

4.94 based on 152 reviews

Costas

Verified user

We were very happy with Daniel at Just Mortgages as he helped us with our mortgage journey.He was very helpful and the process was quicker then we expected.Excellent customer service and very professional....5 Star review for Just Mortgages!

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United Kingdom, 2 months ago

Yaser & Amanah

Verified user

Daniel was excellent, he really helped us get the right mortgage package. He helped me understand each package and rate. Daniel was very patient with me. Thank you Daniel! I honestly highly recommend

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United Kingdom, 2 months ago

Timothy

Verified user

As a Landlord with a large portfolio the number of products available are limited. Daniel was great identifying competitive products and we agreed to three buy to let mortgages which completed without any issues. All questions and responses were anwered in a timely and professional manner. I would recommend Daniel and Just Morgage Brokers.

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United Kingdom, 2 months ago

Verity

Verified user

Just Mortgage Brokers are very helpful and responsive. Would definitely recommend their services to everyone

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United Kingdom, 2 months ago

Daniel

Verified user

Excellent support getting my initial mortgage and subsequently remortgaging. Very friendly service, always transparent and honest. Recommend highly

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United Kingdom, 2 months ago

Sarah

Verified user

It’s the second time we have used Just Mortgage Brokers & they were amazing! Daniel made everything so easy for us. We will definitely use them every time & recommend to friends & family.

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United Kingdom, 2 months ago

Emma

Verified user

Super easy to use, saved loads of time and stress having to sort out a new mortgage ourselves. It's easy to talk to a person on the phone and everyone has always been very helpful. This is the second time we've just JM and I would highly recommend!

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United Kingdom, 2 months ago

Ben

Verified user

Smooth as ever, efficient and charming - thanks team!

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United Kingdom, 2 months ago

Charmaine

Verified user

Always helpful and responsive. Yasmin always gets us a good deal, and we have been using Just Mortgage Brokers for many years. Easier to deal with then going direct to the lenders. Would highly recommend.

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United Kingdom, 2 months ago

Joel

Just Mortgage Brokers are the only place I’ll go for a mortgage or remortgage. Say what they’ll do- and then deliver each time, regardless of your circumstances. Highly recommended.

Read the full review

United Kingdom, 3 months ago

Ready to talk mortgages?

Got questions, need advice, or just want to explore your options? We’re here to help.

Call us: 01473 356284 (local rate)

Email us: [email protected]

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