Moving Home Mortgage Calculator

Step 1: Annual Income What is your annual income?

Employed? Enter your annual income before tax.

Self-employed? Use your two-year average, or latest year's income if lower. Sole traders/partners: profit after expenses, before personal tax. Company directors: salary before tax plus dividends.

Joint application? Include each applicant's income. If you're unsure, enter your best estimate; our advisers can help.

Step 2: Deposit for Your Next Home How much deposit will you have for your next home? (£)

Include savings and any money from selling your current home that you plan to put towards your next purchase.

Allow for repaying your existing mortgage and any other secured loans, as well as selling and buying costs.

Step 3: Monthly Financial Commitment Costs What will your monthly financial commitment costs be after moving? (£)

Include monthly repayments towards credit cards, personal loans, car finance and hire purchase agreements for everyone applying.

Enter your monthly repayments rather than the total outstanding balances. Lenders will also consider your other living expenses when carrying out a full affordability assessment.

Step 4: Preferred Mortgage Term What is your current or preferred mortgage term in years?

Your current remaining mortgage term is a useful starting point. You can adjust this to see how a different term affects your repayments.

A longer mortgage term can reduce your monthly repayments but increase the total interest you pay.

Step 5: Name Full Name

We'll use your details to provide your mortgage estimate and follow up on your enquiry.

Step 6: Email Email Address

We'll use your email address to contact you about your mortgage estimate and borrowing options.

Only one more step before you receive your mortgage estimate.

Step 7: Phone Number Phone Number

You’re almost there. Your mortgage estimate will be displayed on the next screen. Please ensure you include the '07' prefix when entering your phone number.

By submitting, you confirm that you agree with our privacy policy and consent to us contacting you by email and phone. You can opt out at any time.

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Your estimated mortgage borrowing: £ This is an estimate based on the information you've provided. The amount you could borrow will depend on your circumstances and individual lender criteria, which our fee-free mortgage advisers will be able to explore with you. Your deposit is separate from this figure and can be added when considering your overall purchase budget. What happens next? One of our mortgage advisers will be in touch by email and phone to talk through your results and discuss your moving home mortgage options. Boon Brokers is FCA regulated and provides fee-free, whole-of-market mortgage advice, with no obligation to proceed. In the meantime, why not follow us on socials? We share mortgage tips and more.

Expert-Reviewed Moving Home Mortgage Calculator

Reviewed by: Gerard Boon

Managing Director, Boon Brokers

B.A (Hons), CeMAP, CeRER

Last reviewed: 29 October 2026

Gerard has reviewed this Moving Home Mortgage Calculator’s calculation method, assumptions and supporting mortgage guidance for accuracy and clarity.

The results are an estimate based on the information you enter and the calculator’s assumptions. They do not constitute a mortgage offer or personalised mortgage advice.

How Much Could You Borrow When Moving Home?

Our free Moving Home Mortgage Calculator helps you estimate how much you could borrow towards your next property, whether you’re looking to move to a larger home, downsize or relocate.

Simply enter a few details, including your annual income, deposit or available equity, financial commitments and preferred mortgage term.

It’s important to note that your estimated borrowing is only one part of your next property budget. When you sell your current home, your existing mortgage will typically need to be repaid from the sale proceeds. As such, any remaining funds after selling costs could then contribute towards your next deposit.

For a detailed breakdown of your mortgage options, our fee-free mortgage advisers can help you look at these figures together and explore suitable mortgage options for your move.

What Can You Do With Your Calculator Results?

Your Moving Home Mortgage Calculator results can provide a useful starting point for planning your next property purchase. The main aim of this initial estimation is to provide you with an idea of how much you could borrow alongside the proceeds from selling your current home.

With a better understanding of your borrowing potential, you can begin to explore:

Your next property budget: Combine your estimated mortgage borrowing with the deposit or equity you expect to have available to understand the price range you could consider.
Porting your existing mortgage: Explore whether you could port your current mortgage deal to your next property or whether arranging a new mortgage might be more suitable.
Borrowing more or less: With your estimated borrowing, you can consider whether your next home will require a larger mortgage, or whether downsizing could allow you to reduce your outstanding borrowing.

Your calculator results are only an initial estimate, and your actual borrowing potential will depend on your chosen lender’s criteria and assessment of your financial circumstances.

Speak to a Fee-Free Adviser

Get Personalised Advice on Your Home Move

You don’t need to sort your next move alone. Our fee-free mortgage advisers are experienced in helping home movers navigate their next property purchase. With whole-of-market access to over 1,000 mortgage products, we can assess your existing mortgage, borrowing potential and different lenders’ criteria to help you explore suitable options and plan your next move.

Get Personalised Advice

Looking for a Different Calculator?

Whether you’re considering remortgaging, exploring equity release or simply comparing your options, our other mortgage calculators can help you estimate your borrowing potential and plan your next steps.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Boon Brokers Limited is authorised and regulated by the Financial Conduct Authority (FCA). The Financial Services Register number is 973757. The FCA does not regulate some Buy to Let mortgage contracts. We do not charge a fee for our mortgage, insurance or equity release advice and arrangement services. Calls may be recorded for training and monitoring.