Simple Loan CalculatorsHow Much Can I Borrow?
Find out how much a mortgage lender could offer based on your income and existing commitments. Lenders typically offer between 3x and 5x your annual income after commitments. Enter your details below to see estimated borrowing amounts at different income multipliers, along with the monthly payments and total interest for each tier.
Income multiplier guide:
- 3x – 3.5x — Conservative. Best suited to borrowers with significant existing debts, variable income, or self-employment.
- 4x — Standard. Most UK high-street lenders offer this as their default. The recommended starting point for most borrowers.
- 4.5x — Higher stretch. Requires stable employment, a strong income, and few financial commitments.
- 5x — Maximum. Offered by specialist lenders or under specific schemes (e.g. first-time buyer). Requires an excellent credit profile.