How Much Can I Borrow?
Enter your income for an instant estimate of your maximum mortgage. First time buyers can often borrow more than the standard 4.5x income with the right lender.
Enter your income to see an instant estimate of how much you could borrow.
This is an illustration, not financial advice or a lending decision. Actual borrowing depends on your full circumstances, credit history and lender criteria. Your home may be repossessed if you do not keep up repayments on your mortgage.
Frequently asked questions
How many times my salary can I borrow for a mortgage?+
Most UK lenders offer around 4.5 times your annual income. Some lenders stretch to 5 or even 6 times income for eligible borrowers - particularly first time buyers with a single income over £35,000 or a joint income over £55,000. A whole-of-market broker can find lenders with the most generous criteria for your situation.
Does this calculator give me a guaranteed mortgage amount?+
No - it is an estimate based on income multiples. Lenders also assess your outgoings, credit history, deposit and the property itself. For a personalised figure, use our free eligibility checker or speak to one of our advisers, who can arrange a decision in principle.
What income counts towards a mortgage application?+
Basic salary is always counted. Many lenders also accept a proportion of bonuses, commission, overtime and self-employed profits, and some benefits and pension income. Different lenders treat these very differently, which is where broker advice can significantly change how much you can borrow.
Will a bigger deposit help me borrow more?+
A bigger deposit does not directly increase your income multiple, but it lowers your loan-to-value, which unlocks cheaper rates and more lenders. Lower monthly payments can also help you pass affordability checks for a larger loan.
Want an exact figure?
Try our free eligibility checker or request a callback and one of our advisers will find your true maximum across 90+ lenders.