Tools
How much can I borrow?
A quick estimate of your borrowing and the home budget it gives you — then jump straight to what that budget really buys, on the official record.
You could look at homes up to about
£287,500
Estimated borrowing
£247,500
Monthly payment (approx.)
£1,447
That’s roughly a 86% loan-to-value. Now see where that budget actually buys — real sold prices, not asking prices.
A guide only, based on a typical 4.5× income multiple. Lenders assess affordability individually — confirm with a broker.
Borrowing — your questions
How much can I borrow for a mortgage?
Most UK lenders offer around 4.5 times your annual household income, though the exact figure depends on your outgoings, credit and the lender's affordability checks.
How is the monthly payment worked out?
It's a standard repayment estimate based on the loan amount, interest rate and term. Your actual payment depends on the deal you're offered.