When thinking about getting a new mortgage, the first step is to get a good idea of how much you could borrow from us. You can find out by using our Mortgage Affordability Calculator.
How much we're willing to lend to you depends on your personal circumstances. Even if you're porting your mortgage, we'll need to check if your borrowing is appropriate for your changing circumstances.
We make our decision based on factors such as your income, your outgoings and if we think you'll be able to make your payments. Although you’re ultimately responsible for paying your mortgage back, we're also responsible for checking you can afford to repay the loan and making sure you’re not over-stretching your finances.