Question 1

How much can I borrow for a mortgage in the UK?

Accepted Answer

Most UK lenders will lend 4–4.5x your gross annual salary. Some lenders offer up to 5.5x for high earners or key workers. The exact amount depends on your deposit, credit score, and monthly outgoings.

Question 2

What deposit do I need for a mortgage?

Accepted Answer

Most UK lenders require a minimum 5–10% deposit. A 20%+ deposit typically unlocks much better interest rates.

Question 3

Does the affordability calculator account for joint incomes?

Accepted Answer

Yes — you can add a partner's income and the calculator will use the combined total.

🏠 Mortgage Affordability Calculator

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