How much can I borrow for a mortgage?

Affordability isn't just a multiple of your income. Lenders also look at your outgoings, existing debts, credit history, deposit size, and their own individual lending criteria.

This is why two people on the same salary can be offered quite different amounts by the same lender — or by different lenders.

We'll talk through your full circumstances to give a realistic, rather than theoretical, indication of what might be available.