How much can I borrow?
Most lenders cap a mortgage at around 4.5× your income, with some offering more. See your realistic range, and exactly when the higher first-time buyer schemes apply.
You could borrow roughly
£0
Based on 5× income of £0.
What most lenders offer as standard.
Achievable with many lenders on a good profile.
Specialist first-time-buyer deals only. See below.
About the 5.5× stretch
Borrowing 5.5× your income usually comes from specialist first-time buyer deals. They typically need:
- all applicants to be first-time buyers
- a minimum income
- a 5- or 10-year fixed rate
- an application through a broker (some lenders)
A few lenders now go as high as 6.5× income for first-time buyers who meet stricter conditions. Treat any of it as a best case, not a given. A broker can tell you who'll actually lend it.
A guide only. Lenders also look at your spending and credit history, so your actual offer may differ.
How we worked this out
What we assumed
- Most lenders cap around 4.5× your income; some stretch to 5× or 5.5× for stronger profiles or specific first-time-buyer deals, and a few go further.
- Based on your income of £0.
- The home prices add your savings (£0) once Stamp Duty and fees have come out of them.
Lenders also weigh your credit history, debts and regular outgoings — this is a guide, not a lending decision.
Where the numbers come from
Last checked 28 September 2026. These are guidance figures, not a quote or financial advice.
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