HHomecue

Find out what you could borrow

Check your affordability in minutes and see what you could realistically borrow. If you would like help, we will connect you with an FCA-authorised mortgage broker, only if you want one.

Start your affordability check
Free to useNo credit checkFCA-authorised brokersNo obligation

Already know you want advice? Browse our broker panel

Why check now?

Buying your first home, moving, or already on a mortgage, any one of these is a sign it is worth two minutes:

You want to know how much you could borrow
You are saving for a deposit and want a target to aim at
You are moving home and weighing up your options
Your fixed rate ends within the next 12 months
Your property value or LTV band may have changed
Better mortgage products may now be available

Start your check. We'll tailor it to you.

Preview each journey below, then pick one to begin.

First-time buyer

You're saving toward your first home and want to know how much you could realistically borrow.

Start buyer check

Remortgage

You already own and want to see if you're on the best deal, or whether your fix is ending soon.

Start remortgage check

Moving home

You already own and are buying somewhere new. We'll factor in your equity and whether porting your current deal makes sense.

Start home mover check

Buy-to-let

You own (or want to own) an investment property and need to see what works on rental cover (ICR).

Start BTL check
Example snapshot · first-time buyer

This is what you get back. Free, in 60 seconds.

A real answer you can act on, not a contact form. No sign-up to see it, and no broker calls you unless you ask.

Borrowing power
Up to £236,000
On a £52,000 joint income
Deposit you'd need
From £12,400
At 5% on a £248,000 home
Likely monthly cost
Around £1,180
35-year term at today's rates
Yours in 60 seconds. Figures are indicative estimates, not a mortgage offer.

Self-employed, adverse credit, Right to Buy or another specialism? See our full broker panel and who covers what

1

Tell us a bit about you

Income, household, your current mortgage and roughly what your property is worth. No personal ID, no credit check.

2

See your snapshot

What you could borrow today, what your LTV looks like, when your fix ends, and whether it could be worth reviewing your current deal.

3

Talk to a broker (optional)

If the numbers look promising, pick a regulated broker from our panel. They'll take it from there, at no cost to you.

Why use Homecue?

We're not a lender or broker. We help you understand what you could borrow, and connect you with a regulated broker only when you're ready.

Honest numbers

We use the same affordability principles lenders do (income multiples, stress-rate testing) so the figures are realistic, not optimistic.

Real triggers, not noise

We only flag things that matter: a fix ending, an LTV band you've moved into, a saving opportunity worth acting on.

Brokers, not call centres

Our panel is regulated UK mortgage advisers: independent, fee-free at the point of advice, with whole-of-market access.

No spam

We only share your details if you choose a broker. You can leave the check at any time, and your data stays with you.

Pick a goal to start

Takes about a minute. No sign-up required to see your results.

FCA-regulated panelEvery broker we list is FCA-authorised. Each profile shows their firm and FCA reference.
ICO-registeredCestrian Digital Ltd, ICO reference ZA000000. We never sell your data.
Introducer-onlyWe don't give advice or arrange products. Regulated brokers do that, free at the point of advice.