How much could I borrow?

A quick guide to borrowing based on income, deposit and rate.

Your details

Your result

You might be able to borrow£202,500
Price you could look at£232,500
Deposit as share of price12.9%
Loan to value87.1%
Monthly repayment£1,026
Assumptions and limits

A rough guide only. Lenders also look at your outgoings, debts, credit record and whether you could afford the payments if rates rose. Bigger deposits (lower loan to value) usually get better rates.

Worked out with standard formulasTax year 2026/27

Common questions

How much can I borrow on my salary?

Most lenders offer around 4 to 4.5 times income. Some go to 5 times or more for higher earners or certain professions.

Does a bigger deposit help?

Yes. A lower loan to value usually means better rates and more lenders to choose from, with the best rates often at 60% or 75%.

How we calculate

Every calculator uses the published 2026/27 rates from one shared set of rules, so when a rate changes, it changes everywhere.

Where rates come from

Tax, National Insurance, student loan, benefit and property tax rates come from GOV.UK. Each calculator links to its sources.

What we don’t cover

Scottish income tax bands, tax codes other than 1257L, benefits in kind and your personal circumstances. Results are estimates to help you plan, not a payslip or advice.