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Mortgage Guide

A rough guide to how much you might be able to borrow and what monthly repayments could look like, based on common UK lender rules of thumb for 2026.

This is general information, not financial or mortgage advice, and not a lender-backed affordability assessment. Every lender's rules are different — actual borrowing depends on your credit history, existing debts, dependants, and the individual lender's own affordability model. Speak to a mortgage adviser or lender directly for a figure you can rely on.

Your details

£0
Typical borrowing range (4–4.5x income)
£0
Stretch scenario (5.5x, specialist lenders)
£0
Estimated monthly repayment range

What this means

Total income used£0
Deposit£0
Estimated house price range£0
Borrowing at 4x income£0
Borrowing at 4.5x income£0
Repayment if rates rose by 2 points£0

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How this is calculated

Most UK high-street lenders use an income multiple of 4x to 4.5x combined gross income as a starting point, with some specialist lenders offering up to 5.5x for certain borrower profiles — this tool shows that full range rather than one number, because the figure varies significantly by lender. Since the Bank of England withdrew its mandatory 3%-above-SVR stress test in August 2022, individual lenders now set their own stress-testing methodology, so we also show what your repayment could look like if rates rose by 2 percentage points, as a general illustration of that buffer. Monthly repayments are calculated using the standard capital-repayment (annuity) formula, not interest-only.

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