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How much can I borrow?

Tools and advice on how much you can borrow

The amount you can afford to borrow is determined by your financial situation. This is made up of your income, your financial commitments, current savings and your credit history.

You'll also need to consider your spending habits and any existing commitments such as personal or car loans, credit card debt, even travel expenses. It's easy to work this out by using our budget planner calculator.

The starting point for how much you can borrow

Numbers and financial calculations can seem difficult when starting your application process. But it isn't as daunting as you might think. And it's better not to leave it to the last minute.

2 minute pre-approval form

The ING DIRECT pre-approval form only takes 2 minutes. (A certificate is issued on the spot if you are pre-approved.) It lets you work out how much you can afford to borrow, how much your repayments will be, and how much stamp duty you'll have to pay.

Our mortgage repayment calculator helps you calculate monthly repayments, it also includes calculating repayments with different interest rates should interest rates rise. This is a beneficial exercise to make sure you can afford the repayments in case interest rates increase. And remember that when buying your new home, stamp duty can still apply.

Our Stamp Duty Calculator will help you with these calculations.

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