Check your mortgage eligibility


Find out how much you could be eligible to borrow for your dream home

Find out how much you could be eligible to borrow for your dream home

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Why should I use a mortgage eligibility checker?

Use our mortgage eligibility checker to see how likely it is that you’ll qualify for a mortgage before you apply. You can check your eligibility if you’re buying your first home, moving home or wanting to remortgage without impacting your credit score.

We match your information with the eligibility criteria of the lenders we work with to return a result on their willingness to lend to you. This will give you confidence and clarity when applying for a mortgage and when speaking to a mortgage broker. No advice or recommendation in relation to specific mortgage products or lenders is given nor implied.

To find out more, please refer to our frequently asked questions below.  

How is this useful?

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Mortgage calculator

Quick tool to budget for a mortgage.

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Soft checks

No impact on your credit rating.

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Accurate

Uses lender criteria and your credit record.

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Saves time

10 minutes to see your aggregated eligibility results.

Lenders on our mortgage eligibility checking service

Mortgage eligibility results only apply to these selected providers and not to all the mortgages you can compare with us, so you may be eligible for other mortgages. The results returned do not mean that you are necessarily eligible with each lender listed and this checker is not part of a mortgage application.

To use this tool you must:

  • Be 18 years of age or older
  • Be a UK resident with full rights to reside
  • Have at least three years of UK address history

This may not be the right tool for you if you:

  • Are experiencing financial difficulties that could impact your ability to pay your mortgage
  • Don’t plan to use the mortgage for a property in mainland UK or Northern Ireland
  • Don’t plan to live in the property (for example, buy-to-let, second home or commercial premises)
  • Are using government purchase schemes, such as Help to Buy or Right to Buy mortgages. However, if you’re saving money with a Help to Buy ISA you can still use this tool.
  • If more than two of you are applying for a mortgage. This includes a shared ownership mortgage

Frequently asked questions

  • Can I get a mortgage?
  • Will using the checker impact my credit score?
  • What information do I need to use the checker?
  • How does the checker differ from our basic mortgage calculator?
  • How is a mortgage eligibility checker different from our mortgage price comparison?
  • How accurate are the results?
  • Do you share my details when using the eligibility checker?

Can I get a mortgage?

Your ability to get a mortgage depends on a number of factors, including the amount you're looking to borrow, the size of your deposit and your credit history. Some additional factors to consider include: your employment status and income, your credit rating, your expenses, your life stage, your dependants and any existing debt.

Before applying for a mortgage, it’s a good idea to work out your budget so you have an idea of how much you can afford to cover your deposit and monthly repayments, and still have enough money for any associated fees.

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Will using the checker impact my credit score?

In short, no. As you’re not actually applying for credit, the checker runs a soft search that won’t impact your credit score. Lenders can’t see a soft search on your credit report, but you’ll be able to view it as "Compare the Market - Mortgage" when you access your credit report.

To better understand your credit score, you can get it from your credit report. You’re entitled to one free copy from each of the three credit reference agencies – Experian, Equifax and Callcredit.

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What information do I need to use the checker?

  • Your personal details and three years of UK address history
  • Your annual salary and other income sources, eg dividends, profits, commissions, bonus and maintenance benefits
  • Details of your financial commitments, eg credit cards, loans or childcare costs
  • If you’re applying with someone else, permission to provide their details.  
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How does the checker differ from our basic mortgage calculator?

Our basic mortgage calculator gives you an idea of how much you could borrow by taking into consideration a multiple of your income. However, our mortgage eligibility checker gives you a more accurate result by running a soft search on your credit file, matching your information with the eligibility criteria of the lenders on our panel.

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How is a mortgage eligibility checker different from our mortgage price comparison?

Our eligibility checking service provides you with a personalised check to let you know how much a select panel of lenders could lend you, along with relevant products and rates from these lenders.

Our mortgage price comparison lets you view mortgage products and rates across the whole market. We return results based on the price of the property you want to buy, your deposit and over how long you're looking to borrow. These results do not provide an indication as to how much you could personally borrow.

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How accurate are the results?

You can be sure that the results are accurate as they’re based on a soft search on your credit file and your personal details that have the most impact on your ability to borrow. Your results are valid for a 30-day period, however if your circumstances or lender criteria have changed during this time, the results may no longer be accurate.

However, most lenders will assume that your expenses are similar to that of averages for your location. If you have significantly different living expenses or if you’re considering buying a listed or unusual property, your results may vary.

Your results will be displayed by our level of confidence that a provider is willing to lend to you:

  • Where we work directly with a lender and have access to their full lending criteria, we have a higher degree of confidence in the lender’s willingness to lend to you.
  • Where we work directly with a lender and have access to some of their lending criteria, we have a high degree of confidence in the lender’s willingness to lend to you.
  • Where we don’t work directly with a lender, we access their published lending criteria. As such we have a moderate degree of confidence in the lender’s willingness to lend to you.
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Do you share my details when using the eligibility checker?

Compare the Market has selected Runpath Regulated Services Limited (RRS) to provide you with this service. As part of the indicative eligibility checking service, RRS will need to retrieve and use data from one or more of the three main Credit Reference Agencies in order to provide your eligibility results.

For more information about RRS, and about how your data will be used, please see our privacy policy.

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