A quick guide to borrowing based on income, deposit and rate.
Your result
A rough guide only. Lenders also look at your outgoings, debts, credit record and whether you could afford the payments if rates rose. Bigger deposits (lower loan to value) usually get better rates.
Most lenders offer around 4 to 4.5 times income. Some go to 5 times or more for higher earners or certain professions.
Yes. A lower loan to value usually means better rates and more lenders to choose from, with the best rates often at 60% or 75%.
Every calculator uses the published 2026/27 rates from one shared set of rules, so when a rate changes, it changes everywhere.
Tax, National Insurance, student loan, benefit and property tax rates come from GOV.UK. Each calculator links to its sources.
Scottish income tax bands, tax codes other than 1257L, benefits in kind and your personal circumstances. Results are estimates to help you plan, not a payslip or advice.