How much can I borrow for a mortgage?

Most UK lenders lend a multiple of your gross annual income — typically around 4× to 4.5× as standard, stretching to 5.5×–6× for stronger profiles. The exact figure depends on your credit history, monthly commitments, employment type, deposit and each lender's stress test. This calculator shows an indicative range across the market; it is a guide, not a quote or a decision in principle. A regulated mortgage adviser can confirm what specific lenders would offer.

What income multiple do mortgage lenders use?

A typical high-street income multiple is around 4× to 4.5× of gross annual income. Some lenders offer enhanced multiples of 5×, 5.5× or up to 6× for higher earners, key workers, or borrowers with larger deposits and clean credit. The higher multiples are not available to everyone and depend on your full profile. This tool is illustrative only.

How Much Can I Borrow? Mortgage Calculator

Most lenders work to a range — from around 4× income at the cautious end up to about 6× for the right profile. This calculator shows an indicative borrowing range across the market based on the details you enter. It is a guide only, not a quote or mortgage offer.

For illustration purposes only

The figures this calculator produces are illustrative and based only on the information you enter. They are a guide — not a quote, a mortgage offer, or financial advice. What you can actually borrow, and the rate you pay, depend on the lender’s assessment of your full circumstances.

Speak to a qualified professionalFor a recommendation tailored to you, speak to an FCA-regulated mortgage adviser — we search the whole of market. Checking your options is free and does not affect your credit score.

No obligationThis is an estimate only. The binding figures — your real monthly payment, total cost and any reversion rate — come with your mortgage offer and its illustration (ESIS).

Niche Advice Limited accepts no responsibility for any decisions made on the basis of this calculator. Niche Advice Limited is authorised and regulated by the Financial Conduct Authority (FCA Reference: 750263). Niche Advice Limited is a credit broker, not a lender. Your home may be repossessed if you do not keep up repayments on a mortgage secured against it.

Lender criteria and interest rates change frequently. Always confirm any figure with a qualified, FCA-regulated mortgage adviser before acting on it.

Get advice from a whole-of-market specialist

This is a guide only. For figures tailored to you — with no upfront fees — request a callback from an FCA-regulated adviser.

Speak to an adviser