The Quick Answer
Most lenders will offer between 4.5x and 5x your salary.
On a £30,000 income, that means you could borrow roughly:
£135,000 - £150,000
What Affects How Much You Can Borrow?
It’s not just your salary. Lenders also look at:
- Monthly outgoings
- Credit history
- Deposit size
- Dependants
- Existing debts
Can You Borrow More Than 5x?
Sometimes, yes.
Some lenders may offer up to 6x income, depending on your situation — especially if you have:
- A strong credit score
- Stable employment
- Low outgoings
What Deposit Do You Need?
Most buyers need at least 5% deposit, but putting down more can:
- Increase your chances of approval
- Unlock better rates
Get a Personalised Answer
Every lender is different — so your exact borrowing amount can vary.
Speak to a mortgage adviser to get a clear, personalised figure.
Need help? Speak to Jack Gear Financial today for clear, no-jargon mortgage advice.
