How Much Can I Borrow?
UK lenders typically offer 4-4.5x your annual salary. See how much you could borrow and what the monthly repayments would be.
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- Know how much you want to borrow? Calculate your monthly mortgage repayments.
- Check your take-home pay to understand how much you can afford in monthly repayments.
- Budget for stamp duty on top of your mortgage — calculate SDLT, LBTT, or LTT.
- Salary sacrifice reduces your contractual salary and your borrowing power — see the trade-off.
- Student loan repayments reduce your disposable income — factor them into your affordability.