How Big a Mortgage?
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£30k salary

What mortgage can I get on a £30k salary?

Illustrative starting point
Home price£170,000Mortgage£135,000

Includes a £35,000 deposit · 79.4% LTV

Before tax, including bonuses
Excluding Stamp Duty and fees
What changes it?Regular commitments can reduce the starting point

Every £100 a month of continuing payments reduces this illustration by £5,400.

See the full estimate

How this answer works

£30,000 × 4.5

That produces a £135,000 income-based starting mortgage. The example adds a £35,000 deposit, while the 95% maximum illustrative LTV remains a separate limit.

Illustrative only. Lenders assess income, spending, credit and property differently. Assumptions and sources.