How much can I borrow for a mortgage in the UK?

Many lenders start around 4 to 4.5 times gross income, then reduce the loan if monthly outgoings are high or the stress-tested payment looks unaffordable.

Why do lenders use a stress test?

Lenders typically test affordability at a higher rate than the headline product rate to check whether the borrower could still afford payments if rates rise.

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How much can I borrow?

UK Mortgage Affordability

Lender-style 4.5x income multiplier plus a disposable-income check and a +3% interest rate stress test. See your maximum borrowing and the property price you can target.

1. Your income

Your gross annual income

Partner annual income

Monthly committed outgoings

2. Your deposit

Deposit available

3. Mortgage assumptions

Product rate

Term (years)

Maximum you could borrow

£247,500

Property price you can target: £287,500 · Loan-to-income 4.50x

Monthly EMI at this loan

£1,291.08

Stressed EMI at 7.75%

£1,773.12

Passes typical lender stress test

- Capped by 4.5× income multiplier.
- Stress-tested at 7.75%.

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