Loading...
How much can you borrow · Monthly repayments · Deposit scenarios
Maximum Borrowing
On a £140,000 salary, you can borrow up to £630,000 (4.5× income). Monthly repayment: £3,682.92 at 5% over 25 years.
Max Mortgage
£630,000
Monthly Payment
£3,682.92
Take-Home After
£3,482.62
% of Income
51%
| Deposit | Property Price | Deposit Amount | Monthly Payment | Left Over |
|---|---|---|---|---|
| 5% | £663,158 | £33,158 | £3,682.92 | £3,482.62 |
| 10% | £700,000 | £70,000 | £3,682.92 | £3,482.62 |
| 15% | £741,176 | £111,176 | £3,682.92 | £3,482.62 |
| 20% | £787,500 | £157,500 | £3,682.92 | £3,482.62 |
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% | £663,158 | £23,158 | £23,158 |
| 10% | £700,000 | £25,000 | £25,000 |
| 15% | £741,176 | £27,059 | £27,059 |
| 20% | £787,500 | £29,375 | £29,375 |
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 £140,000 salary with monthly take-home of £7,165.53:
Max Monthly Housing
£2,149.66
Comfortable Mortgage
£367,721
Conservative (4×)
£560,000
£3,273.70/mo
| Item | Annual | Monthly |
|---|---|---|
| Gross Salary | £140,000 | £11,666.67 |
| Income Tax | −£49,203.00 | −£4,100.25 |
| National Insurance | −£4,810.60 | −£400.88 |
| Take-Home Pay | £85,986.40 | £7,165.53 |
Stamp Duty & Affordability Breakdown
Available with Premium (£1.99 lifetime) · No ads
Unlock Premium →Want to see how pension contributions or student loans affect your mortgage affordability?
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.