Mortgages

How Much Can I Borrow?

Get an instant estimate based on your income.

£
£

Your estimated borrowing range

Conservative 4× income
Typical maximum 4.5× income
Potential maximum 5× income

This is an indicative estimate only. Actual lending is subject to full affordability assessment, credit checks and lender criteria. Speak to one of our advisers for a personalised figure.

Get your exact figure — book a free consultation
Loan to Value Calculator

Loan to Value Calculator

Find out your LTV ratio and what mortgage rates you may qualify for.

Your LTV Ratio
0%50%100%
Mortgage amount needed
Deposit percentage

LTV is one of many factors lenders consider. Your actual rate will also depend on your credit score, income, and the lender's criteria. Speak to an adviser for a personalised recommendation.

Find the best rate for your LTV — book a free consultation

Stamp Duty Calculator

Find out how much Stamp Duty Land Tax (SDLT) you'll pay in England.

£
Total Stamp Duty Due£0

How it's calculated

Effective tax rate0%

Based on current SDLT rates for England. Rates differ in Scotland (LBTT) and Wales (LTT). For guidance only — confirm with your solicitor before completion.

Speak to an adviser — book a free consultation

Bridging Loan Calculator

Estimate the cost of a bridging loan based on your requirements.

Interest Type

Loan Details

£
£
mo
%

Additional Security

Add additional property as security?
£

Your estimated costs

Loan amount
Total security value
LTV ratio
Monthly interest cost
Total interest over term
Facility fee (2%)
Total amount repayable (inc. fee)

This calculator uses a monthly interest rate of 0.62% and a 2% facility fee. These are indicative figures only. Additional costs such as legal fees, valuation fees and exit fees are not included. Actual costs will vary by lender and circumstance. Speak to one of our advisers for a full breakdown.

Discuss your bridging requirements — book a free consultation

First Time Buyers

Buying your first home is an exciting yet daunting experience. At The Mortgage Mill, we understand the challenges you may face, and we’re here to help you navigate the journey from dream to reality. With our expert guidance and comprehensive services, you’ll feel confident every step of the way.

Read More

Moving Home

Moving home is regarded as one of the most stressful events of your life. We’re here to guide you through.

Read More

Remortgage & Secured Home Loans

When you first buy a home and take out a mortgage you quite commonly are on a fixed rate of interest for a period of time

Read More

Adverse Credit

If you’re worried about bad credit stopping you getting a mortgage, we’re here to help with access to a wide range of lenders.

Read More

Ltd Co Directors

Unlock the power of your company profits and secure your dream home without the stress. Use experts. Save time. Maximise your borrowing potential while keeping your tax bill low.

Read More

Buy to Let & Investment Properties

Buy-to-let properties are becoming more and more of an attractive way to build income whilst you sleep.

Read More

Bridging Finance

Bridging Finance is a short-term loan secured against any type of property or land on an interest-only basis.

Read More

Commercial Finance

In the world of commercial investment and property development, every detail must be carefully considered.

Read More

Later Life & Equity Release

At The Mortgage Mill, we specialise in later life lending solutions tailored to your unique needs. From Retirement Interest Only (RIO) mortgages to equity release options, our expert advisers provide personalised guidance to help you navigate the complexities of retirement financing. With face-to-face and in-home appointments available, we make securing your financial future convenient and stress-free. Trust The Mortgage Mill to be your partner in achieving peace of mind and financial stability in your later years.

Read More

First Time Buyers

Buying your first home is an exciting yet daunting experience. At The Mortgage Mill, we understand the challenges you may face, and we’re here to help you navigate the journey from dream to reality. With our expert guidance and comprehensive services, you’ll feel confident every step of the way.

Read More

Moving Home

Moving home is regarded as one of the most stressful events of your life. We’re here to guide you through.

Read More

Remortgage & Secured Home Loans

When you first buy a home and take out a mortgage you quite commonly are on a fixed rate of interest for a period of time

Read More

Adverse Credit

If you’re worried about bad credit stopping you getting a mortgage, we’re here to help with access to a wide range of lenders.

Read More

Ltd Co Directors

Unlock the power of your company profits and secure your dream home without the stress. Use experts. Save time. Maximise your borrowing potential while keeping your tax bill low.

Read More

Buy to Let & Investment Properties

Buy-to-let properties are becoming more and more of an attractive way to build income whilst you sleep.

Read More

Bridging Finance

Bridging Finance is a short-term loan secured against any type of property or land on an interest-only basis.

Read More

Commercial Finance

In the world of commercial investment and property development, every detail must be carefully considered.

Read More

Later Life & Equity Release

At The Mortgage Mill, we specialise in later life lending solutions tailored to your unique needs. From Retirement Interest Only (RIO) mortgages to equity release options, our expert advisers provide personalised guidance to help you navigate the complexities of retirement financing. With face-to-face and in-home appointments available, we make securing your financial future convenient and stress-free. Trust The Mortgage Mill to be your partner in achieving peace of mind and financial stability in your later years.

Read More