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How much could you borrow?
A quick estimate of your borrowing power from your income and outgoings, based on the multiples most UK lenders use.
You could borrow roughly
£140,000 – £157,500
Based on 4–4.5× your usable income of £35,000.
A rough guide, not a lending decision or advice. Real affordability checks look at your full income make-up, credit history, spending and stress-tested interest rates, and multiples vary by lender — some offer more, many offer less. Confirm with a lender or broker before making plans.
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