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How much can you borrow · Monthly repayments · Deposit scenarios
Maximum Borrowing
On a £125,000 salary, you can borrow up to £562,500 (4.5× income). Monthly repayment: £3,288.32 at 5% over 25 years.
Max Mortgage
£562,500
Monthly Payment
£3,288.32
Take-Home After
£3,216.46
% of Income
51%
| Deposit | Property Price | Deposit Amount | Monthly Payment | Left Over |
|---|---|---|---|---|
| 5% | £592,105 | £29,605 | £3,288.32 | £3,216.46 |
| 10% | £625,000 | £62,500 | £3,288.32 | £3,216.46 |
| 15% | £661,765 | £99,265 | £3,288.32 | £3,216.46 |
| 20% | £703,125 | £140,625 | £3,288.32 | £3,216.46 |
Based on 4.5× income multiplier, 5% interest rate, 25-year term. Actual rates and multipliers vary by lender.
| Deposit | Property Price | Standard | First-Time Buyer |
|---|---|---|---|
| 5% | £592,105 | £19,605 | £19,605 |
| 10% | £625,000 | £21,250 | £21,250 |
| 15% | £661,765 | £23,088 | £23,088 |
| 20% | £703,125 | £25,156 | £25,156 |
England & Northern Ireland standard residential rates. First-time buyer relief applies to properties up to £500,000.
Financial advisers recommend spending no more than 30% of your take-home pay on housing. On a £125,000 salary with monthly take-home of £6,504.78:
Max Monthly Housing
£1,951.43
Comfortable Mortgage
£333,813
Conservative (4×)
£500,000
£2,922.95/mo
| Item | Annual | Monthly |
|---|---|---|
| Gross Salary | £125,000 | £10,416.67 |
| Income Tax | −£42,432.00 | −£3,536.00 |
| National Insurance | −£4,510.60 | −£375.88 |
| Take-Home Pay | £78,057.40 | £6,504.78 |
Stamp Duty & Affordability Breakdown
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Use the Full CalculatorDisclaimer: These are estimates for illustration only. Actual mortgage offers depend on credit score, existing debts, lender criteria, and property valuation. Consult a mortgage adviser for personalised guidance.