How much you can borrow depends on several factors, such as your income, outgoings, the current value of your property and your loan-to-value (LTV).

Whether it’s your first or fourth home, the process for applying for a mortgage is very similar. The main difference is that with each move you’re likely to have access to lower mortgage rates due to the equity acquired in your home. The more equity you have in your home, the lower your LTV.

This equity serves as your ‘deposit’, however, you can put additional funds towards your next home if you would like to reduce your LTV.

Our advisors can help you get a clearer picture of how much we would be willing to lend, based on your circumstances. Alternatively, you can use our mortgage finder to get an idea of what could be available to you.