How much can I borrow?

Most UK lenders offer between 4 and 5 times your combined gross annual income. This tool gives you a quick guide based on those multiples, minus a rough allowance for existing debt commitments.

Guide only. A guide only. Lenders assess affordability using their own stress-tested criteria and will consider income type, credit history, deposit, existing commitments and monthly outgoings. A qualified mortgage broker or adviser can give you a personalised borrowing figure.