Borrowing
What house can I afford on my salary?
Many lenders lend around 4.5 times your yearly income. Add your deposit and that's roughly the home you could reach. Pick a salary for the full picture. If you're buying with someone, use your two incomes added together.
| Salary | Could borrow | Home with a 5% deposit |
|---|---|---|
| £20,000 | £89,300 | £94,000 |
| £25,000 | £112,100 | £118,000 |
| £30,000 | £134,900 | £142,000 |
| £35,000 | £156,750 | £165,000 |
| £40,000 | £179,550 | £189,000 |
| £45,000 | £202,350 | £213,000 |
| £50,000 | £224,200 | £236,000 |
| £55,000 | £247,000 | £260,000 |
| £60,000 | £269,800 | £284,000 |
| £65,000 | £291,650 | £307,000 |
| £70,000 | £314,450 | £331,000 |
| £75,000 | £337,250 | £355,000 |
| £80,000 | £359,100 | £378,000 |
| £85,000 | £381,900 | £402,000 |
| £90,000 | £404,700 | £426,000 |
| £95,000 | £427,500 | £450,000 |
| £100,000 | £449,350 | £473,000 |
A guide, not a promise anyone will lend. Debts, other payments and your credit history change what a lender offers. Checked 2026-10-04.