Calculate Your Combined Borrowing Power
Calculate your joint mortgage affordability based on combined incomes. Perfect for couples, partners, and joint applicants looking to maximize their borrowing potential in the UK. Updated for October 2025 UK lending criteria.
Enter both applicants' details to see your combined borrowing capacity and maximum property value
Essential information about joint mortgage applications in the UK
Joint applications typically allow you to borrow up to 4.75 times your combined annual income, compared to 4.5 times for single applications. This can significantly increase your borrowing capacity and access to higher-value properties.
Yes, in a joint mortgage application, both applicants are typically named on both the mortgage and the property deed. This means both parties have legal ownership of the property and are jointly responsible for mortgage payments.
Lenders assess both applicants' credit scores. A poor credit score from one applicant can affect the application, potentially resulting in higher interest rates or reduced borrowing capacity. It's often worth improving credit scores before applying.
Yes, unmarried couples can apply for joint mortgages. Lenders focus on your combined financial situation rather than marital status. However, it's important to consider legal protections and agreements about property ownership.
For self-employed applicants, lenders typically require 2-3 years of accounts and calculate an average income. They may apply a lower income multiple (around 4.0x) and require additional documentation like SA302 forms and accountant references.
This calculator provides educational estimates only and does not constitute financial advice. Joint mortgage applications typically use 4.5x combined income as a guideline. Both applicants are equally liable for the full mortgage debt. Consider income stability, future plans, and what happens if one applicant's income changes. All calculations use typical UK lending criteria current as of October 2025. MortgagePro.uk is not regulated by the Financial Conduct Authority. For personalized joint mortgage advice, consult an FCA-authorized mortgage broker. Your home may be repossessed if you do not keep up repayments on your mortgage.