Help

Journey Tracker

Buddy Search

How Can We Help?

Ready to start your journey?

When you join Share a Mortgage you will begin your home buying journey. We provide a step by step journey tracker to help you through the process and keep you informed and up to date.

Get started on your journey today

Looking for a mortgage buddy?

Buddy Search

Use the buddy search to set your preferences for what you are looking for in a mortgage buddy.

Where are you looking?

Include genders:

Male

Female

Other

Prefer not to say

Their smoking status:

non smoker

social smoker

smoker

Their parental status:

Parent

No children

Group Search

Use this filter to search existing buddy groups on Share a Mortgage

Groups buying in

Group Property Status

Investor Search

Use this search to find other investors who are looking for buy to let properties.

Where are you looking?

Property Status

Investor Groups

Use the this search to find investors who have already formed a group and that are still looking for members with whom to invest

Groups buying in:

Property Status

Group Status

Have a question?

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Make a quick enquiry

How to Use the Affordability Calculator

How much can i borrow

Find out how much you can borrow

How much combined deposit do you have?

What is your total deposit between you and your Mortgage Buddies? Don't forget to keep some behind for the stamp duty and legal fees.

Total salary of 2 highest earners

If you are buying with 3 or 4 people, take the salary of the 2 highest earners as this is the maximum mortgage lenders allow.

What multiple is your lender offering?

Multiples vary depending on your circumstances and the mortgage lender. Use an average of 4, however it could be higher or lower than this.

What mortgage can you get

£0.00

Plus your deposit

£0.00

Property prices you should look for

£0.00

Loan to value of

NAN%

Deposit

NAN%

How Much Can I Borrow Calculator

Our How Much Can I Borrow Calculator is designed to answer one of the first questions a prospective home buyer must normally ask.

Finding out what the largest mortgage you are likely to be granted will, along with knowing what your total deposit is, determine what the maximum price you can spend on a property will be.

You will also want to know what your deposit is as a percentage of the whole (mortgage and deposit) sum. This can be useful, for example, if you have limited deposit sums but need to know that you can reach the 5% threshold for qualifying for Help to Buy .

If you have any queries regarding the How Much Can I Borrow Calculator, just call us on 0207 112 5388.

There are only three fields to fill in:

These are:

1. How much combined deposit do you have?

2. What is the total salary of the 2 highest earners in your household?

3. What multiple is your lender offering?

The first question allows for you adding deposit funds from one or more people if you are intending to buy jointly, whether as joint tenants or tenants in common.

The second question determines what a lender calls your household income.

You get the answer to the third question from a lender. But we strongly suggest that, if you have not yet approached a lender, the default number to use is 4.

This, multiplied by the answer to third question, gives the maximum mortgage you are likely to get, subject to you meeting a lender's other conditions. These can be quite stringent: as a rule of thumb, a lender will not normally lend more than 4x household income, although there are exceptions.

What next?

You are now armed with:

1. An estimate of your maximum mortgage
2. The property prices you should look for
3. Your deposit %age and the loan to value %age (which together add up to 100%)

You can now look for properties and mortgage products which fit these parameters.

If you find both, congratulations from us and please contact us - we can help you with all aspects of your home move!