UK Affordability Calculator

Understand your monthly budget, disposable income and what you can realistically afford.

Monthly Disposable Income
£0.00
after all expenses
Total Monthly Income
£0.00
Total Monthly Expenses
£0.00
Expenses as % of Income
0%
Max Affordable Property
£0.00
4.5x combined annual income
Enter your income and expenses to see your financial picture.
Expense Breakdown
50/30/20 Budget Rule

Based on your net income, here are the recommended monthly budget allocations:

Category% RuleTarget AmountYour AmountStatus

How Much Mortgage Can You Afford? · Salary Guide 2026

Based on standard UK lender income multiples. Actual offer depends on outgoings, credit score and lender criteria.

Annual Salary At 3.5x At 4x At 4.5x At 5x (some lenders)
£25,000£87,500£100,000£112,500£125,000
£30,000£105,000£120,000£135,000£150,000
£35,000£122,500£140,000£157,500£175,000
£40,000£140,000£160,000£180,000£200,000
£50,000£175,000£200,000£225,000£250,000
£60,000£210,000£240,000£270,000£300,000
£80,000£280,000£320,000£360,000£400,000
£100,000£350,000£400,000£450,000£500,000

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Affordability Calculator FAQs

What salary do I need for a £200,000 mortgage UK?
At 4.5x income you need a salary of around £44,500 to borrow £200,000. At 4x income, £50,000 is required. Joint applicants can combine salaries · two people each earning £25,000 would typically qualify at 4x combined.
What salary do I need for a £300,000 mortgage UK?
At 4.5x income you need approximately £66,700 to borrow £300,000. At 4x income, £75,000 is required. Two people earning around £35,000–£37,500 each could reach this level on a joint application.
How does a joint mortgage affect affordability?
On a joint mortgage, most lenders combine both applicants' incomes and apply the same income multiple (typically 4–4.5x). Two people earning £30,000 each gives a combined £60,000 · potentially supporting a mortgage of £240,000–£270,000.
How do lenders check mortgage affordability?
Lenders assess affordability using your gross income, monthly outgoings (loans, credit cards, childcare), credit score and a stress test at a higher interest rate. The income multiple is a starting point · your actual offer may be lower if outgoings are high.
Can I borrow more than 4.5x my salary?
Some lenders offer up to 5x or even 5.5x income for high earners or certain professions (doctors, lawyers, accountants). These higher multiples usually require a clean credit history, a deposit of at least 10–15%, and low existing debts.

For informational purposes only · Not financial advice