A mortgage calculator can give you an initial estimate, but self-employed applicants may need to enter income differently from employed borrowers. Lenders commonly consider figures from your SA302 or tax year overviews, company accounts, salary and dividends, and may ask for two or more years of evidence. Results are only indicative because each lender assesses income, business performance, deposit, credit history and outgoings using its own criteria. For a more accurate estimate, consider speaking to an FCA-authorised mortgage broker and check the lender’s requirements.