How Big a Mortgage?
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£50k salary

What mortgage can I get on a £50k salary?

Illustrative starting point
Home price£260,000Mortgage£225,000

Includes a £35,000 deposit · 86.5% LTV

Before tax, including bonuses
Excluding Stamp Duty and fees
What the deposit doesIt increases the budget—and can lower the LTV

The income starting point is £225,000. Deposit adds to the budget and may reach a lower rate band.

See the full estimate

How this answer works

£50,000 × 4.5

That produces a £225,000 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.