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How much could you borrow?

A rough range based on what lenders typically offer against income. It is a starting point, not an offer.

Who's applying?
Gross, before tax. Include regular bonus or self-employed profit.
Loans, car finance, credit card minimums, childcare. Leave blank if none.

You could potentially borrow

£260,000 – £308,750

Most lenders land near £292,500 (4.5× income)

Household income
£65,000
Property price you could consider
£342,500
Loan to value
85%
Check this with an adviser

Before you rely on this

This is an illustration, not advice or a mortgage offer. Figures are indicative, based on the assumptions shown, and any actual borrowing is subject to lender criteria and a full affordability assessment. Speak to an adviser for a recommendation based on your circumstances.

  • Based on income multiples of 4× to 4.75×. Most lenders work between 4x and 4.75x income. Some go further for higher earners or specific professions.
  • Lenders assess far more than a multiple — stress-tested rates, committed expenditure, credit history and their own scorecard all change the answer.
  • Monthly commitments are annualised and deducted from assessable income.
  • Your home may be repossessed if you do not keep up repayments on your mortgage.

Want the real number?

An adviser can check this against live lender criteria and tell you what you could actually borrow — free, and with no obligation.

Send an enquiry