If you earn £100,000 per year, you may be able to borrow around £400,000 to £450,000 depending on deposit, lender criteria and existing debts.
If you earn £100,000 per year, you may be able to borrow around £400,000 to £450,000 depending on deposit, lender criteria and existing debts.
This estimate uses a simple UK salary multiple approach and should only be treated as a rough guide.
Your actual borrowing limit may change based on monthly commitments, childcare costs, credit history and the lender you choose.
Use the mortgage calculator on this site to compare how much the monthly repayment could be for different house prices.
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.