Discover how much you can borrow and whether you’ll be accepted for a mortgage — based on your income, credit score, family size, debts, and more. Soft search. No credit impact. Instant answers.
Looking for a mortgage but not sure how much you can afford — or whether you’ll even be approved? Charwin Mortgages has you covered.
We’ve created a real-world mortgage calculator that checks both affordability and eligibility, using the same criteria lenders use — not generic estimates. Whether you want to know how much mortgage you can borrow in the UK or simply will I be accepted for a mortgage, this is your first step.
Use our tool to:
Whether you're applying on your own or jointly, with a high salary or tight budget, our calculator gives you clarity — and confidence — before you apply.
Mortgage Calculator Based on Income, Outgoings & Credit Score - We assess your real financial situation, including salary, debts, dependants, and car finance — not just a generic estimate.
Know if You’ll Be Accepted Before You Apply - Our eligibility checker compares your details against real lender criteria to show your mortgage approval chances instantly.
Bad Credit or Low Income? No Problem - We help all applicants — including those with defaults, CCJs, low income, or poor credit scores.
Joint, Single or Variable Income Supported - Use our calculator as a single applicant or couple, and include income from commissions, benefits, freelance or part-time work.
See Real Borrowing Limits – Not Just Hype - We don’t overinflate what you can borrow. Our results reflect what lenders actually approve in today’s UK mortgage market.
Get Expert Advice After Your Calculation - Once you’ve used our tools, our specialist advisers can guide you through your mortgage options — even for complex cases.
Speak to Charwin Mortgages Today – Get Real Mortgage Answers Before You Apply
Whether you're worried about approval, unsure how much you can borrow, or have a complex income situation, we’re here to help.
Our tools and advisers provide the clarity and confidence you need to move forward — the smart way.
We're here Monday to Thursday, 9am - 7pm (4pm on Friday).
Charwin Mortgages is a trading style of Charwin Private Clients who are authorised and regulated by the Financial Conduct Authority (498486). Registered in England No: 06628612.
Registered address is Holland Court, The Close, Norwich, NR1 4DY.
Your consultation is obligation and cost-free, as is looking at any recommendation we may offer.
This site is only directed at persons within the UK.
At Charwin Mortgages, we know that applying for a mortgage can feel overwhelming — especially if you're unsure how much you can borrow, whether you'll be approved, or how your debts, dependants, or credit history might affect things.
That’s why we’ve created a real-world mortgage eligibility and affordability calculator that gives you accurate results from the start. Whether you’re a first-time buyer, home mover, or looking to remortgage, our tool gives you a realistic picture of both:
Our calculator mirrors actual lender criteria — including income types, debts, family size, and credit history — to provide instant insights before you apply.
Our calculator considers everything lenders look at, including:
No more guesswork — just straight answers based on real mortgage affordability logic.
Our calculator considers everything lenders look at, including:
Whether you’ve got a flawless credit record or a few bumps along the way, our calculator is built to show you your mortgage potential.
Tell us about your income, employment type, debts, dependants, and deposit. It only takes a minute.
We calculate what lenders are likely to offer — based on your actual financial circumstances.
Want to take things further? One of our expert brokers can help you understand your next best steps — and guide you through the application process.
We help all applicants, including:
No matter your background — our calculator gives you clarity before commitment.
Whether you're worried about affordability, unsure if bad credit will hold you back, or simply want to know what you could borrow, the Charwin calculator gives you the answers — instantly, safely, and without obligation.
At Charwin Mortgages, we believe that every mortgage application should begin with clarity — not confusion.
That’s why we’ve created a fully supported mortgage journey that starts with our affordability and eligibility calculator and ends with a successful approval, tailored to your unique financial situation.
Whether you're a first-time buyer, remortgaging, or applying with poor credit, we’ll guide you step by step with advice you can trust — and results you can act on.
We help all types of applicants, including:
No matter your situation — our calculator and expert team help you apply with confidence.
Start by checking how much you can borrow and if you’re likely to be accepted. Our calculator uses real lender criteria and soft search logic to give you an instant picture — without affecting your credit score
If your result shows mortgage potential, one of our advisers will discuss your income, credit profile, debts, dependants, and goals — and confirm the best lender routes for you.
Based on your profile, we match you with lenders who are most likely to approve your application — whether that means a mainstream bank, a specialist lender, or a private provider.
We’ll help you gather and organise all required documents, which may include:
We handle everything — and make your case as strong as possible from the outset.
Your application is submitted, fully packaged, and managed by us. We speak directly with the lender’s underwriters, explaining any areas such as bad credit, recent career changes, or affordability considerations.
Once approved, the lender issues your mortgage offer. We then support you through to completion, working with your solicitor and helping you avoid unnecessary delays.
Our application process works for:
Charwin Mortgages makes it easy to move from curiosity to confidence. Whether you’ve used our calculator already or need help understanding your position, our team is ready to help.
Charwin Mortgages - Your Trusted Mortgage Partner
Discover the Charwin difference and embark on a journey towards financial empowerment with Charwin Mortgages, a beacon of excellence under the prestigious Charwin Private Clients umbrella.
Since our inception in 2009 and based in Norwich, Charwin has been on a solid growth trajectory, fuelled by our unwavering commitment to quality over quantity. Our comprehensive service is designed to cater to your every need, whether it's securing your dream home, navigating the complexities of impaired credit lending, exploring lucrative buy-to-let opportunities, delving into commercial lending, bridging finance, or ensuring you're protected with the right insurance.
At Charwin, we go beyond the basics to ensure your financial well-being is safeguarded, within a budget that makes sense for you.
Our passion lies in empowering individuals who find themselves trying to navigate challenging mortgage situations. A group we're especially fond of assisting are those with poor or adverse credit files, or credit impairment such as CCJs, defaults or missed payments.
Nothing feels better for our team than turning a bad credit situation into a success story. No matter what your credit history, we don't just welcome you; we excel in turning your mortgage ambitions into reality.
At the heart of Charwin Mortgages is our relentless pursuit of excellence for every customer. This is achieved through our dedication to ensuring every member of our team is not just well-trained but excels in their role, embodying competence, and professionalism.
Our continuous journey of improvement is marked by significant investments aimed at enhancing your experience with us.
We're innovating ways to engage more effectively, such as our market leading eligibility calculator, then providing timely and relevant information, and of course, our mortgage recommendations.
No matter your financial goals or challenges, Charwin Mortgages is here to guide you through. Our door is always open to help you realise your ambitions, underpinned by a foundation of trust, excellence, and service.
Start your enquiry today and take the first step towards a brighter, more secure financial future with Charwin Mortgages – where your mortgage aspirations become a reality.
Welcome to the most straightforward way to understanding your mortgage options in the UK.
Our advanced calculators use real lender data to provide you with accurate, personalised insights into your mortgage eligibility, maximum borrowing capacity, and affordability.
Whether you're purchasing a new home or considering a remortgage, our tools are designed to empower you with knowledge based on current market conditions.
Understanding your mortgage options shouldn't be complicated. We’re here to make mortgage eligibility and borrowing capacity transparent and accessible to all, regardless of your credit history.
By leveraging real-time UK lender data, we aim to ensure that the information you receive is not only accurate but should be achievable.
Take the first step towards securing your mortgage. Use our calculators today to unveil the possibilities and plan your next move with confidence.
Check your eligibility and discover how we can help you unlock your mortgage options. It's free, fast, and fully confidential – only enquire to us if you want to.
Ready to take the next step? Once you have your results, proceed with your enquiry and get full transparency and support from our expert team of brokers, who’ll get you the best rates and mortgage funding available to you.
We look forward to helping.
Remortgaging is the process or switching your mortgage to another lender.
Our remortgage service is comprehensive and considers what your existing mortgage lender will offer compared to the rest of the market. Where your existing provider is the best option, we will make the switch for you, free of charge.
Many customers use remortgaging for additional borrowing, whether that is to consolidate other debts to reduce overall monthly outgoings, raise capital for home improvement or release equity for a deposit for an investment property (Buy to Let).
Whatever you are looking to do, we are best placed to help. Charwin Mortgages have unlimited access to the mortgage market, from the well-known lenders to smaller provincial Building Societies, private banks, and specialist lenders that most brokers don’t ever consider.
And can help with all types of borrowing needs too. We can help raise mortgage funding up to 100% of your property value as well as help people with less than perfect credit profiles and borrowing for more unusual projects.
Welcome to Charwin Mortgages.
Secured Loans are used by many people as an alternative to remortgaging. Secured Loans are also known as Homeowner Loans or Second Charge Mortgages.
Secured Loans are a specialist form of lending that most brokers in the market don’t consider or have access to. We have one of the largest Secured Loans panels in the UK so have the ability to help almost anyone.
They are particularly helpful for people who wish to preserve good mortgage terms rather than remortgage to raise additional capital, applicants with poorer credit profiles wanting to raise money where the mortgage market fails to offer good terms, or those wanting to borrow higher proportions of their property value.
We can also help where the purpose of raising funds is more unusual, things such as business purposes, where the mortgage market generally will refuse to lend.
We always look to the mortgage market first. If this fails or is not the best advice, we will then look to the secured loan market to help.
Our success rate is very high, and we manage the whole application process from start to finish, ensuring the transaction is smooth, organised and cost effective.
1 in 3 customers we speak to are looking to consolidate debts amongst other things. It is a very popular and common action to take, resulting sometimes in dramatic reductions in monthly outgoings.
Some people are of the view that consolidating debt means that you pay back more over the longer term. This as a maths exercise may be true, however the total to repay is not the only consideration.
We need to get through month to month and keeping costs down and more manageable when everything around us is increasing is a lifestyle decision most of us face.
We take a balanced view on debt consolidation. We know that credit cards are tough to repay, in fact they are that way by design.
The example below demonstrates this. If the customer stopped using the card altogether and maintained the minimum payments, you can see just how long the account takes to repay.
| Credit Card Balance | £9,000 |
|---|---|
| Interest Rate | 21.9% |
| Minimum Payment | £190 |
| The account will take 9.21 years to repay. | |
| The interest will be £11,996.53 over this period. | |
If debt consolidation is on your agenda, or perhaps just thinking about it, our advisers are ready to find the best ways to restructure your debt whilst paying it off in the fastest and most efficient manner.
If you have missed payments due to your monthly debt burden, have defaults or CCJS, we can still help. Our expert advisers are ready to discuss your best options.
1 in 2 people who enquire to us are looking to borrow additional money through their mortgage for planned home improvements. These vary from kitchen and bathroom replacements to more elaborate extensions.
Customers who improve their property naturally benefit from the lifestyle enhancement they provide as well as adding value to their homes. Adding value reduces your overall loan to value and can allow you to obtain better mortgage rates.
Spreading the cost of larger works on your property like extensions makes many projects achievable where the unsecured route would be prohibitive due to monthly cost.
Some customers wish to raise additional capital for reasons other than debt consolidation or improving their homes.
One of the most common reasons is deposits for first or additional investment properties. More recently, the availability of perhaps more profitable holiday let mortgages has seen a surge in activity.
Most legal purposes can be considered, and our advisers are ready to present you with the most cost-effective options.
We take your privacy seriously and are committed to processing your information lawfully. We know that there’s probably other things you would rather be doing but recommend you read this carefully so you understand how we process your information and your rights.
This privacy notice tells you about the information we collect from you when you engage with our financial services. In collecting this information, we are acting as a data controller and, by law, we are required to provide you with information about us, about why and how we collect, store and use your data, and about the rights you have to control our use of your personal data.
Charwin Private Clients Limited (also trading as Charwin Secured Loans, Charwin Deposit Plus, Charwin Mortgages, Charwin Bridging, Charwin HELOC and Charwin Buy to Let) is registered in England (Company number 06628612). We are directly authorised and regulated by the Financial Conduct Authority (“FCA”) and our firm’s registration number is 498486.
Our registered address is Charwin Private Clients, Holland Court, The Close, Norwich, NR1 4DY. You can visit our website at www.charwinprivateclients.co.uk.
You can contact us by post at the above address, by email: customerservices@charwinpc.co.uk or you can call us on 01603 216881.
To provide our core services (advising and arranging a mortgage or insurance contracts) we are required to collect a range of information about you and your immediate family. We will keep this to a minimum where possible but sufficient to fulfil our obligations to you. We will collect required information such as:
Personal details such as names (including children), nationality, address and address history, email, telephone numbers, employment information, banking and credit commitments, financial dependents, general household expenditure, future plans and aspirations and product preferences. How you answer these questions will determine what other questions we ask as different lenders have different eligibility criteria.
Mortgage lenders are data controllers and have their own privacy notices. Many lenders automatically profile your information against their lending criteria and against Credit Reference Agencies as soon as your information is forwarded to them to provide lending decisions. This may affect your credit score. We will never supply this information without your prior agreement to do so.
We will also retain documentary evidence on file to support any applications such as copies of passports or photographic drivers licence (ID and signature verification), payslips or accounts (income verification), bank statement (proof of affordability) and any other related items as required from time to time.
We require this information as part of our “know your customer process” that allows us to deliver the best advice given your situation.
For life or health related insurances we will need to collect special category data. You may be assured that we and any company associated with us will treat all personal data and sensitive personal data as confidential and will not process it other than for legitimate purposes. Steps will be taken to ensure that the information is accurate, kept up to date and not kept for longer than is necessary.
In most cases you will provide the information mentioned above as you want to use our services. The purpose for which we use this information and the legal basis under data protection law is as follows:
We collect this information as is in our Legitimate Interests or that of a third party to provide advice and make personal recommendations and subsequent processing of applications. This means that we will use your information as you would reasonably expect it to be used. It will also have minimal impact on your privacy whilst preserving your overall rights. You can withdraw from any process at any time.
Once a recommendation for a mortgage or insurance product has been made, we will need to pass your personal data to third parties. This is done to fulfil our contractual obligations. This may include:
Mortgage lenders to agree a mortgage in principle or apply for a proposed mortgage,
Secured Loan lenders to agree or apply for a proposed secured loan,
Insurance Companies to provide quotations for home insurance or landlords insurance, life insurance, critical illness cover or income protection,
Credit Reference Agencies who will provide copies of your credit file, verify identity and fraud prevention
Solicitors acting for you as part of a mortgage process,
Estate Agents who are acting agents for a related property purchase or sale,
TrustPilot to collect reviews on our service and gain feedback
Lead Suppliers is your information was introduced to us by a third party
Marketing Partners who advertise our services, run or otherwise facilitate our financial promotions
Twenty7Tec whose mortgage sourcing software we use
Financial Ombudsman Service or Financial Conduct Authority where they request this to resolve complaints or in connection with their duties.
This is necessary to advance your applications and provide our services.
We do not sell any of your information to external companies.
We may use your information to communicate relevant or related products or services that Charwin Private Clients offer and we would reasonably expect you to be interested in.
Your information is stored on secure servers located within the EU.
We understand how important it is to keep your personal information secure. We use a variety of technologies and procedures to protect your personal information from accidental or unlawful breaches of security. These include physical, organisational, and technological measures.
All information we process is encrypted in a variety of ways so that your personal and financial information is secure.
When we share your information with third parties to carry out some of our services, including lenders and insurers amongst others, we require every third party that we share information with to apply appropriate security safeguards and comply with all the required laws and standards for protecting personal information.
We only keep your information for as long as we need to.
If you become a client of a lender/insurer as a result of the advice we provide to you, we will keep a full record of your interactions with us for your lifetime plus a reasonable period to enable us to meet our regulatory obligations to evidence we gave suitable advice and to enable us to answer any complaints that may arise as a result of our advice. In practice this means that we will keep your records for no longer than 100 years after you last transact with us.
If, as a result of our advice, you make an application to a lender/insurer but do not ultimately become a client of that institution, we will keep a full record of your interactions with us for 6-years to meet our obligations under UK Money Laundering regulations.
If we provide you with advice on a financial product, but you do not engage our services to make an application to a lender/insurer, we will keep a full record of your interactions with us for 3-years, to enable us to meet our regulatory record keeping obligations regarding evidencing suitability of our advice.
If we collect personal information from you, but are unable to provide you with suitable advice, then we will keep a full record of your interactions with us for 1-year to facilitate an easier interaction between us if you re-engage our services within this period.
If you request we contact you in relation to our service by providing us with your name and a contact method (e.g. phone, email) through an enquiry form (either on our own, or a 3rd party website) we will use our best endeavours to contact you as soon as possible. If we are unable to contact you, we will retain this information for a period of 90-days from the time we de-activate your information from our database, to ensure we can fulfil our contractual obligations to our lead partners.
Your right to be informed
This privacy notice is part of the process where you have the right to be informed.
You have the right to be informed in a concise, transparent, intelligible and easily accessible way about how we use your personal information. We will explain why we need information (including any uses that are not obvious) at the time we collect information from you and make sure that all our data collection forms and letters point you to this Privacy Notice.
Your right of access
You have the right to obtain confirmation that your data is being processed. You also have the right to access your personal data and to verify the lawfulness of processing.
Any request is free of charge however we may charge a reasonable fee if the request is excessive. We may also charge if subsequent requests are made for the same information.
We will ensure that any data subject access request is provided within one month of receipt.
We will need to verify your identity as part of this process using reasonable means. Generally, this is by letter or electronically by email.
Your right of rectification
You have the right to have any inaccurate information corrected or completed if incomplete. This request can be made in writing or verbally.
We will correct any data we hold within one month of being notified. We will not charge to amend or correct your data unless it is excessive.
We may need to verify your identity to make the requested changes.
If we have provided this information to other parties, we will contact each of them individually to update their records of your data.
Your rights to erasure
You have the right to have your personal data erased. This is known as your right to be forgotten. Such a request can be made either verbally or in writing.
We will respond to any request within one month of receipt of the request.
In some circumstances, we can refuse to erase personal information if it forms part of a legal obligation. For example, if you complete a mortgage using our service, the FCA require us to maintain a record for 7 years from the date of the transaction. In such circumstances, you can exercise your right to restrict processing (see below), including marketing activities. Once the 7 years has elapsed, your data will be erased.
We will not charge a fee for erasing your data. We will also need to verify the identity of each of the individual persons exercising the right to be forgotten.
Your right to restrict processing
You have the right to request that we restrict or stop using your personal information. We may continue to store the information but will stop using it.
Your request can be made verbally or in writing and will be responded to without undue delay and no later than one month from the date of the request. In the event of a complaint, this restriction will continue until the matter concerned is fully resolved.
Data Portability
You have the right in some circumstances to have the data you have provided to us sent to you or provided to another person or business in an electronic machine-readable format. Where this applies we will download the information and send it as a Microsoft Excel file.
Rights to object
You have the right to object to your personal data being used. If you wish for us to stop using your personal data we will do so without undue delay.
Rights in relation to automated decision making and profiling
This right only applies where a decision which has a legal or similar effect is DECISION MAKING taken about a person by automated means without any human intervention.
Where such decisions are made individuals have a right to ask for the decision to be reviewed and the data controller must make sure appropriate safeguards are in place. However, Charwin Private Clients does not make automated decisions about any of its clients.
If you have a complaint about our use of your information, you can contact the Information Commissioner’s Office via their website at www.ico.org.uk/concerns or write to them at:
Information Commissioner's OfficeWe will continuously refine this Privacy Notice to make sure we are complying with our obligations to be transparent about how we use your personal information and that it is as concise, transparent, intelligible and as easily accessible as it can be. However, if we make any changes to how we process your personal information in ways that you would not reasonably expect, we will contact you and bring these changes to your attention.
