This calculator applies the three assessment structures explained in our Self-Employed and Contractor Mortgages guide directly to your own figures. Choose your business structure and enter your numbers to see an estimated borrowing range.
Your structure
Typically 4 to 5x for standard lenders
Sole trader / partnership figures
⚠ This is a simplified illustration, not a mortgage offer
Real affordability assessments also weigh existing debts, credit history, deposit size, and a stress-tested interest rate, and day-rate assessment is only available from specific specialist lenders, not the market broadly. Use this to understand the shape of the calculation, then get an actual assessment from a broker or lender.
Continue your research
Guide
Self-Employed and Contractor Mortgages
The full explanation behind these assessment methods.
Guide
Mortgage Broker Resource Centre
Finding a broker who knows day-rate lenders.
Data
UK Mortgage Rate History
Current rate context for your borrowing estimate.
Hub
Specialist Borrowers
All specialist buyer and borrower guides.
Hub
Decision Tools
All interactive calculators in one place.
About the author
✓ Editorially reviewed — all Poqet guides are checked for factual accuracy before publication and updated when UK rates or legislation change. Editorial Policy