Buyers and owners planning borrowing, costs, and home decisions.
How Much Can I Borrow?
Estimate how much you can borrow for a mortgage based on income, bonus treatment, commitments, and lender multiples (3x–4.5x).
How we calculate this - methodology, formulas & sourcesHow much can I borrow?
£140k
How much can I borrow?
Monthly commitments
Borrowing range
£105k
3.0x
£140k
4.0x
£157.5k
4.5x
Conservative (3.0×) = cautious lenders. Standard (4.0×) = most high street banks. Maximum (4.5×) = optimistic scenario.
Effective income
£35,000
Indicative monthly
£778
at 4.5%, 25 yrs
Existing commitments
None
No existing commitments - your full income is counted toward borrowing.
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This is a simplified income-multiple model. Real lender affordability assessments consider your full financial profile.