How much can I borrow?
UK lenders size a mortgage on a multiple of your income, less what you already owe each month. Put in your income, any second applicant, your monthly commitments and your deposit to see a realistic borrowing range — and the property price it reaches. Free, no sign-up.
A rough guide, not a mortgage offer or financial advice. Lenders use full affordability assessments — income type, credit history, outgoings, the stress rate and the term all matter — so what you're actually offered can be higher or lower. Income multiples typically run 4 to 4.5 times income, with some lenders up to 5 or even 5.5 for higher earners or certain professions. Speak to a mortgage broker for a decision in principle. Nothing you type here leaves your browser.
Income multiples are the start, not the whole story.
The income multiple is the quick rule of thumb: most UK lenders will lend around 4 to 4.5 times your income, and a few will stretch to 5 or 5.5 times for higher earners or specific professions. On a joint application they usually add both incomes together, which is why buying with someone else can lift what you can borrow.
Your monthly commitments — loans, car finance, credit-card balances, childcare, maintenance — reduce it. Lenders treat these as money that can't go towards a mortgage, so the more you owe each month, the less they'll offer. Clearing a car loan before you apply can noticeably increase your budget.
The deposit doesn't change how much you can borrow, but it sets the property price you can reach (borrowing plus deposit) and your loan-to-value. A bigger deposit means a lower LTV, which unlocks cheaper rates — see the LTV calculator for where the thresholds sit.
Underneath the multiple, every lender runs a full affordability and stress test: could you still pay if rates rose. That's why two people on the same income can be offered different amounts, and why a broker's decision in principle is worth far more than any calculator. Once you know your number, the mortgage repayment calculator shows what the monthly payment would actually be.
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