How much could I borrow?

The amount we will lend is based on the amount we believe you can afford, but as a rough guide for most of our mortgages we will lend:

For sole applications:

  • 4.5 times sole income

For joint applications:

  • 3.5 times joint income OR
  • 4.5 times first income and 1 times second income
Annual income of highest earning applicant: £
Annual income of second applicant: £
Other bonus or commission income for first applicant: £
Other bonus or commission income for second applicant: £

This is how much you could borrow: £0

Find out how to apply

The above is an illustration only. This does not constitute a legally binding offer and does not oblige The Co-operative Bank to offer you the amount stated. All mortgages are subject to validation of income, credit checks and a property valuation.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The Financial Services Authority's tools can help you with budgeting, borrowing and planning for the future: Try their Financial Healthcheck or Debt Test.