Self-Employed or Contractor?
Calculate Your True Borrowing Power.
Standard calculators fail contractors and business owners because they only look at "salary". Our tool uses Day Rate and Net Profit logic, just like specialist lenders do.
Contractors
We annualize your day rate (Rate x 5 x 48 weeks).
Sole Traders / Ltd
We use Net Profit or Salary + Dividends.
Why Standard Calculators Fail You
Most online calculators ask for your "Annual Salary". If you are a contractor on £400/day, you might pay yourself a tax-efficient salary of £12,570.
A standard calculator sees £12,570 and says you can borrow £56,000.
A specialist lender sees £400 x 5 days x 48 weeks = £96,000 income. They will lend you £430,000+.
Retained Profit?
We can find lenders who look at profit retained in your business, not just what you drew out.
1 Year Accounts?
Some lenders accept just 1 year of trading history if you have a strong track record.
Crunch the Numbers for Your New Home
Monthly Repayments
Estimate your monthly mortgage payments.
Stamp Duty Calculator
Estimate the tax you may need to pay.
Affordability Check
Find out exactly how much you can borrow. For PAYEE/full-time workers.
Hidden Costs
Don't get caught out by fees.
Advanced Calculator
Equity & interest like a PRO.
How Does Mortgage Mapper Work?
