Question 1

How is my borrowing amount calculated?

Accepted Answer

We use 4.5× your annual income, the upper end of standard UK lending. Joint applications combine both incomes.

Question 2

Can I borrow more than 4.5× my salary?

Accepted Answer

Some lenders offer 5–6× for professionals (doctors, lawyers) or high earners with large deposits. Get a Decision in Principle to confirm.

Question 3

Does my deposit affect how much I can borrow?

Accepted Answer

Indirectly. A larger deposit improves your LTV, which can unlock better rates and potentially higher income multiples.

Mortgage Affordability Calculator

Common questions