23/06/2026
🏡 How Much Can You Borrow?
Most UK mortgage lenders typically offer between 4x–4.5x your annual income — but it can vary based on your finances, deposit, and credit profile.
Here’s a simple guide 👇
💷 £30,000 salary
≈ £120,000–£135,000 mortgage
💷 £50,000 salary
≈ £200,000–£225,000 mortgage
💷 Joint income of £80,000
≈ £320,000–£360,000 mortgage
💷 Joint income of £120,000
≈ £480,000–£540,000 mortgage
📌 What can affect borrowing amount?
✔️ Deposit size
✔️ Monthly expenses
✔️ Existing debts & credit cards
✔️ Credit score
✔️ Employment type & bonuses
Remember: borrowing capacity is only part of the picture — affordability matters just as much. 🔑
💾 Save this for future house hunting
📩 Share with someone planning to buy their first home
(Scarborough)Ltd