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How much can you borrow · Monthly repayments · Deposit scenarios
Maximum Borrowing
On a £25,000 salary, you can borrow up to £112,500 (4.5× income). Monthly repayment: £657.66 at 5% over 25 years.
Max Mortgage
£112,500
Monthly Payment
£657.66
Take-Home After
£1,135.64
% of Income
37%
| Deposit | Property Price | Deposit Amount | Monthly Payment | Left Over |
|---|---|---|---|---|
| 5% | £118,421 | £5,921 | £657.66 | £1,135.64 |
| 10% | £125,000 | £12,500 | £657.66 | £1,135.64 |
| 15% | £132,353 | £19,853 | £657.66 | £1,135.64 |
| 20% | £140,625 | £28,125 | £657.66 | £1,135.64 |
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% | £118,421 | £0 | £0 |
| 10% | £125,000 | £0 | £0 |
| 15% | £132,353 | £0 | £0 |
| 20% | £140,625 | £0 | £0 |
England & Wales standard residential rates. First-time buyer relief applies to properties up to £625,000.
Financial advisers recommend spending no more than 30% of your take-home pay on housing. On a £25,000 salary with monthly take-home of £1,793.30:
Max Monthly Housing
£537.99
Comfortable Mortgage
£92,029
Conservative (4×)
£100,000
£584.59/mo
| Item | Annual | Monthly |
|---|---|---|
| Gross Salary | £25,000 | £2,083.33 |
| Income Tax | −£2,486.00 | −£207.17 |
| National Insurance | −£994.40 | −£82.87 |
| Take-Home Pay | £21,519.60 | £1,793.30 |
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.