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Mortgages - how much can I borrow?

Lending criteria for mortgages are no longer as simple as they once were. Multipliers of three times a single salary or two and a half times that of a couple are no longer realistic after the soaring house prices of recent years.

Mortgage lenders now consider other factors alongside annual salary, including how much deposit buyers can put down, and a buyer’s other financial commitments. Our borrowing calculator can provide a guide figure for how much you could borrow.

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Some important information about this page

Some lenders will not put Base Rate changes into effect until the end of the month, some of the rates shown here may still reflect older Base Rates

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