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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 Rating94 Reviews
Johnathan
First time buyer so I needed some help with the whole process, Leo Shakespear kindly guided me through everything. Highly recommended the service and the execution.
1 month ago
Preslav
As first-time buyers, my partner and I were very unsure of the home purchasing process, but Jason and Debbie made everything feel easy and effortless. From our initial consultation with Jason to receiving our mortgage offer, the advice we...
2 months ago
Sara
Very informative and very responsive team
4 months ago
Doreen
I couldn’t have wish for a better experience on my journey to buying my property through Uk Moneyman. Very professional, yet friendly, and easy to deal with. I’d recommend to anyone thinking of buying a property.
5 months ago
Andrew
Matt and Debbie from Birmingham money man have been very helpful so far in the process of buying our first house answering all our questions quickly and with detailed and understandable explanations. they have made the process easier and much less...
6 months ago
Alexander
Professional and provide a great service
7 months ago
Natasha
Absolutely fantastic service - highly recommended
7 months ago
Stephanie
Excellent, communication and supportive staff. They have been Very thorough and informative.
7 months ago
Anonymous
Incredibly helpful and responsive, friendly people and they made a daunting process easy and straightforward, would definitely use them again
9 months ago
Anonymous
Helpful and knowledgeable. Helped me make good decisions and managed to get the best possible deal.
9 months ago
SC
This has been a very challenging process that has taken a number of years to achieve. Birminghammoneyman brokers has been pivotal to me achieving my dream home. They have been patient and consistent in support and guidance. They are very reasonably...
1 year ago
Katia
They were really supportive and faster. I highly recommend their services.
1 year ago
Brian
I am very impressed and pleased with the service provided. Both Dan and Jonathan are consummate professionals who kept me informed at every stage of the process and were always on hand to answer any questions. They were sympathetic and eager to...
1 year ago
Mandy
They have been very helpful ,very patient helping sort any hiccups sorted everything in the end
1 year ago
Alistair
I have had a real good experience dealing with wayne and lizzie from uk moneyman they have been very informative and helpful couldent thank them enough for there work
1 year ago
Keith
You have given a very good act of yourself and very recommended by my shelf k gurney
1 year ago
Tayla-Leigh
The service that we received from Wayne and the team at UKMoneyMan was amazing. A straightforward and easy process. We highly recommend MoneyMan, especially to those that are first time buyers, everyone was so knowledgable and helpful. Friendly...
1 year ago
Harry
everyone from the money man uk team was a delight to work with, they made it all easy and stress free time for us and gave us all the support we needed. they was a pleasure to work with we will recommend them to family and friends and any future...
1 year ago
Anonymous
Dan was very helpful and knowledgeable and dealt with our mortgage quickly and efficiently.
1 year ago
Philip
Dan and Jonathan were very helpful and explained everything in detail. We were able to then make an informed decision on our lifetime mortgage.
1 year 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 94 Reviews
Birminghammoneyman 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.
© Birminghammoneyman 2009–2026
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Birminghammoneyman 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.
© Birminghammoneyman 2009–2026
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