How much could I borrow for a mortgage?
Most lenders start with a multiple of your income, then check your outgoings and credit. Enter your income to see a typical range.
How this works
- We multiply your total income by 4 to 4.5 times — a range many lenders start from.
- Lenders then look at your outgoings, credit history, dependants and the type of income you have. Loans, cards and childcare can reduce what you can borrow; some lenders go higher for certain professions or incomes.
- Your property budget adds your deposit to the loan. Remember to budget separately for Stamp Duty, legal fees and a survey.
These results are estimates for illustration only, based on the figures you enter and the assumptions shown. They are not a mortgage offer or personal advice, and what lenders will offer depends on your circumstances.
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