How Much Can I Borrow?
UK lenders typically offer 4-4.5× household income. Your credit commitments and deposit adjust the final figure.
£
£
£
£
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Indicative maximum loan
£170,100.00
Household income£45,000.00
Max property price£200,100.00
Loan-to-value85.0%
Indicative only — lenders stress-test affordability against interest-rate rises and full expenditure. Above 4.5× requires special criteria.