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Work out how much you can borrow based on your income and deposit size.
The “How Much Can I Borrow?” calculator provides a helpful estimate based on your input of financial details, such as income and outgoings.
While it uses standard mortgage lending principles, the actual amount you can borrow will depend on more detailed affordability assessments conducted by lenders, including credit checks and individual circumstances.
Therefore, the calculator should be viewed as a guide, and speaking directly to a mortgage advisor will give you a more tailored figure.
The mortgage application process can vary depending on your situation and chosen lender.
Typically, from submitting your application to receiving an offer, it can take anywhere from two to six weeks.
This timeline includes securing a decision in principle, undergoing credit checks, and the lender reviewing your financial details and documentation.
Getting a mortgage with bad credit can be more challenging, but it’s not impossible.
Some lenders offer specialist products for those with adverse credit histories, such as missed payments or County Court Judgements (CCJs).
Keep in mind that you may need a larger deposit, and interest rates could be higher than for applicants with a clean credit record.
To apply for a mortgage, you’ll typically need to provide proof of income (such as payslips or tax returns for the self employed), bank statements, and proof of identity and address.
Lenders may also ask for details about any existing loans or debts, as well as your monthly expenses to assess your affordability.
Yes, working with a mortgage broker can simplify the home-buying process and help you find the most suitable mortgage deal.
As a broker, we have access to a wide panel of lenders, including specialist options that might not be available directly to you.
We guide you through every step, from finding the most suitable rates to managing your application, ensuring you get the right mortgage for your unique circumstances.
Whether you’re a first time buyer, self employed, or have a more complex financial history, we’re here to help secure the most suitable outcome for you.
Our Customers Love Us
4.96 Rating355 Reviews
Rachel
Conor (Mortgage Advisor) and Lizzi (Case Manager) have been fantastic from start to finish. As first time buyers, we felt the information was explained clearly and updated regularly. I would recommend them to anyone!
1 month ago
Heather
Recommended by a friend. For us as first time buyers it was absolutely the best decision to come to Chris at Notts money man. The advice and finding the right products felt easy and we learned as we went through the process. Will definitely come...
3 months ago
Anonymous
Very efficient and good communication. I had a good experience and successfully applied for a mortgage with their help.
4 months ago
Robert
UK Money Man, Conor and the team were great and sourced us a mortgage that we were unsure we could get. Second time using UK Money Man and we would certainly use them again. Fantastic service
6 months ago
Olivia
As a first-time buyer, I wasn’t really sure what to expect with getting a mortgage, but Matt at Nottingham Money Man was brilliant from start to finish and immediately put us at ease from the first phone call. He explained everything really...
7 months ago
Anonymous
Very helpful, just what we needed.
7 months ago
Karen
Smooth transition. Meetings on time. Lovely and really helpful staff who know what they’re doing and all for your best interest.
7 months ago
Katie
These mortgage brokers are amazing, there quick responses made a stressful time feel like a breeze and answered any questions I had promptly and in detail. I could not recommend a better mortgage broker!
7 months ago
Christian
Great service and independent advise one again and our 3rd remortgage with Nottinghammoneyman. Found us a great option once again and a mortgage offer recieved very quickly. Would strongly recommend to anyone.
7 months ago
Abigail
I've used these Mortgage Brokers since I purchased my first house. I have renewed my mortgage with them twice since, it's helpful that they send you a reminder to discuss options 6 months before the renewal. Conor Longthorn who helped me with...
8 months ago
Anonymous
The staff (Matt and Lewis) were really helpful at every stage and got me a mortgage without much hassle at all.
8 months ago
E
Brilliant service from Paula Milner and Malcolm! If you have a particularly complex case as mine was this is the team whose hands you want to be in. Paula has the patience of a saint and handled the ups and downs of this process with empathy and...
8 months ago
Anna
Have dealt with this company for a few years now. Always seems hassle free and straight forward. Very good communication via email and phone appointments. Will continue to use and recommend 👍
9 months ago
Mr Christopher
Was very helpful and couldn’t thank enough
9 months ago
Dylan
Can’t thank Leo from Nottingham Money Man enough, with us every step of the way answering all the questions us as first time buyers had and helping with organising solicitors and lift insurance, can’t recommend this gent enough.
9 months ago
Tom
Charlie and Lizzi were always quick to respond whenever we got in touch and never failed to be helpful with all of our queries and requests.
10 months ago
James
This was my third mortgage with Nottinghammoneyman and they were excellent as always. There were lots of issues with the lender and they took the stress off by chasing them for me a lot.
11 months ago
Maggie
Both Dinah and Jo were great,friendly patient when answering my questions and throughly professional at all times. I am a first time buyer so knew nothing of the process involved. So thank you Dinah and Jo you couldn't have made it any easier for me
1 year ago
Emma
Malcolm was very patient, with me taking a long time to choose a property and with me being very indecisive. He support me through the whole thing and was always at the other end of the phone for any question or support!
1 year ago
Shaun
Listened, advised well and very efficient. Excellent
1 year ago
Helpful Guides
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Read our 355 Reviews
Nottinghammoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Nottinghammoneyman 2009–2026
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Nottinghammoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Nottinghammoneyman 2009–2026
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