Most UK lenders offer 4–4.5x income, with up to 5x or more for some professionals and higher earners.
| Estimated maximum loan | £0 |
| Plus your deposit | £0 |
| Approx. loan-to-value (LTV) | 0% |
This is a simplified, indicative estimate only — it is not a mortgage offer or a formal affordability assessment. Real lending decisions also depend on your credit history, existing debts and monthly outgoings, and are stress-tested against potential interest rate rises. Speak to a mortgage adviser for an accurate figure.