Estimate how much you may be able to borrow in the UK using simple salary multiples and repayment comparisons.
Estimate how much you may be able to borrow in the UK using simple salary multiples and repayment comparisons.
Many UK lenders use income multiples around 4x to 4.5x salary, although actual affordability checks can vary.
A larger deposit can improve your options and may reduce your monthly repayments.
Use this page as a starting point, then compare repayment scenarios using the mortgage calculator.
This is an estimate only and not financial advice. Actual mortgage offers depend on lender rules, fees, affordability checks and your credit profile.
| Item | Value |
|---|---|
| Property price | £350,000 |
| Deposit | £35,000 |
| Rate | 4.75% |
| Term | 25 years |
| Mortgage type | Repayment |
What affects my monthly payment?
The biggest factors are the loan amount, interest rate, loan term and whether the mortgage is repayment or interest-only.
Is this a lender quote?
No. This is a planning estimate only and should be used for comparison, not as a guaranteed offer.
Why are there pages for cities, salaries and deposits?
These pages help visitors compare more specific scenarios and make the site easier to navigate.