Contact us today to find out how we can help you achieve financial clarity and certainty for your mortgage.

MORTGAGE SOLUTIONS

Mortgage Affordability Calculator

Plan your home purchase with complete confidence. Calculate your real borrowing capacity, estimate your monthly mortgage payments, and take your first step toward homeownership today.

What could you borrow?

Enter your income, commitments and dependants below for an indicative borrowing figure and a summary of the options open to you. It takes about 30 seconds and is designed to provide an initial rough guide as to potential borrowing levels that may be achieveable subject to credit score, lender criteria and a successful full application.

 

Your home / property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it. There may be a fee for mortgage advice. The precise amount will depend on your circumstances.

Your details

All figures are gross (before tax) unless stated otherwise.

Applicant 1 income
Before tax and deductions.
Applicant 2 income
Before tax and deductions.
Commitments and household
Loans, credit cards, car finance, existing regular debt payments.
Children or others financially dependent on you.
Assumptions used in this calculation
Your borrowing range is based on income multiples of 4.5× to 5.5×, reflecting what most lenders offer.
Get your results by email
Please enter your name.
Please enter a valid email address.
Please tick this box so we can email your results to you.

Your indicative summary

Fill in your details and select calculate to see your figures.

Your borrowing figure and options will appear here.

Need Expert Advice?

Speak with us today to explore your mortgage options.

Speak to an Advisor
How Much Can You Borrow?
Check Your Credit Score 
 
 
 
 
  EXCELLENT  
 Google star 1Google star 2Google star 3Google star 4Google star 5 
 Based on 22 reviews 
  
 
 
 
 
 
 
 
 
 
 
 
 Posted on Google Google 
 
 Rachel M profile picture 
 
 
 R M 
 
8 days ago
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
I couldn't recommend Dwight highly enough. He was incredibly helpful throughout the entire mortgage process. He was always available to answer any questions I had, no matter how big or small, and nothing ever seemed too much trouble. Thank you for all your support and guidance.
  
 
 
 
 
 
 Posted on Google Google 
 
 Steven Dixon profile picture 
 
 
 S Dixon 
 
23 days ago
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Got us an offer we were happy with given our unique circumstances, worked with us to accommodate for awkward timings due to shift work patterns.
  
 
 
 
 
 
 Posted on Google Google 
 
 Jack Humphries profile picture 
 
 
 J Humphries 
 
35 days ago
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Dwight has been exceptional in our journey in getting our first property. We are first time buyers and wouldn’t know where to begin but the service Dwight has provided is amazing! He is really patient and knowledgeable and I would recommend anyone to him.
  
 
 
 
 
 
 Posted on Google Google 
 
 Luke Andrews profile picture 
 
 
 L Andrews 
 
44 days ago
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
From my first meeting to getting the keys, Dwight was excellent, his knowledge in the sector was second to none, he made the whole process easy and sorted everything out. Very easy to reach if there were any questions.
Will definitely be using his services again.
  
 
 
 
 
 
 Posted on Google Google 
 
 Claire Henry profile picture 
 
 
 C Henry 
 
60 days ago
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Dwight couldn’t have been more helpful. We were keen to look at all available options and he patiently went through it all with us, fully explaining everything and helping us come to an informed decision. I would fully recommend Oakvale Financial, when it comes to remortgaging again, there is no doubt we will be returning here. Customer service was fantastic. Thanks Dwight.
  
 
 
 
 
 
 Posted on Google Google 
 
 Lalit Rana profile picture 
 
 
 L Rana 
 
83 days ago
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Easy to reach, comfortable to speak, explain us with detail with out no any rush.
  
 
 
 
 
 
 Posted on Google Google 
 
 Jenna profile picture 
 
 
 J 
 
96 days ago
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
I can’t thank Dwight enough for his support, patience, and professionalism throughout my home-buying journey.
From the very beginning, he took the time to get to know me and made the whole experience feel personal.

Dwight was always quick to respond to emails and happy to talk me through any questions I had, no matter how big or small. His clear communication and regular updates made what could have been a stressful process feel straightforward and stress free.

Most importantly, Dwight worked hard to secure the best mortgage deal for me. I wouldn’t hesitate to recommend him to anyone looking for a knowledgeable, trustworthy, and genuinely caring mortgage broker.
  
 
 
 
 
 
 Posted on Google Google 
 
 Vanessa Pagot profile picture 
 
 
 V Pagot 
 
102 days ago
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
We had an exceptional experience with Dwight Scaife at Oakvale Financial.  Dwight was incredibly helpful and friendly and was always available to answer our questions. He often went above and beyond to ensure we were taken care of.                                                The service was professional and the results exceeded our expectations.  We would not hesitate to use this company again and would highly recommend Dwight to anyone.
  
 
 
 
 
 
 Posted on Google Google 
 
 Daska Kirby profile picture 
 
 
 D Kirby 
 
110 days ago
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Dwight is very professional and explains everything clearly.  From the first  phone call, he was easy to talk to. I needed help with a remortgage and although it can be a daunting process, Dwight explained everything in simple terms so it was easy to understand. He was quick to respond to emails and kept me up to speed as my remortgage progressed. Would definitely recommend.
  
 
 
 
 
 
 Posted on Google Google 
 
 Peach Games profile picture 
 
 
 P Games 
 
112 days ago
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Dwight was super helpful in explaining the mortgage process to us, he explained everything in a clear, easy to understand way and his dog Sasha brought us lots of joy in his office aswell :) He kept us informed through the process via email and text and answered all the million questions we had too.

He was a pleasure to deal with and I'd recommend him to anyone wanting to get a mortgage.
  
 
 
 
 
 
 
 
 Verified by Trustindex  
Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
Supporting you throughout your Mortgage & Protection journey

Contact us today to start exploring your mortgage & protection options

Get Started Today
Oakvale Financial icon
Book Now >

Business Hours

  • Monday 09.30 AM - 8.00 PM
  • Tuesday 09.30 AM - 5.00 PM
  • Wednesday 09.30 AM - 2.30 PM
  • Thursday 09.30 AM - 8.00 PM
  • Friday 09.30 AM - 5.00 PM
  • Saturday & Sunday By Appointment

Get in touch 

 
 
 Google 
 
 
Google star 1Google star 2Google star 3Google star 4Google star 5
 5.0 
 
  Top Rated Service
 
verified by Trustindex 
 
Trustindex verifies that the company has a review score above 4.5, based on reviews collected on Google over the past 12 months, qualifying it to receive the Top Rated Certificate.
Your home/property may be repossessed if you do not keep up repayments on your mortgage.

The Financial Conduct Authority does not regulate some forms of Buy to Lets.

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £99 to £399 and this will be discussed and agreed with you at the earliest opportunity.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Oakvale Financial Ltd, trading as Oakvale Financial are an Appointed Representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

Oakvale Financial Ltd are registered in England and Wales. Registered No: 16680525. Registered Office: 80-81 High Street, Northallerton, DL7 8EG.