How Much Can I Borrow?
Estimate how much you can borrow for a mortgage based on your income, commitments, and lender multiples (3x–4.5x).
You could borrow
£140k
Monthly commitments
You could borrow
£140k
Borrowing range
£105k
3.0x
£140k
4.0x
£157.5k
4.5x
Conservative (3.0×) = cautious lenders. Standard (4.0×) = most high street banks. Maximum (4.5×) = optimistic scenario.
Standard lending — borrowing 4.0× your gross income. Most high street banks would consider this.
Effective income
£35,000
Indicative monthly
£778
at 4.5%, 25 yrs
Existing commitments
None
No existing commitments — your full income is counted toward borrowing.
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First-time buyer? Walk through every stage from saving a deposit to getting your keys
This is a simplified income-multiple model. Real lender affordability assessments consider your full financial profile.