Mortgages

How much can I borrow?

Updated September 2026England & Wales3 min read

The short answer

Lenders look at your income, outgoings, debts, deposit and credit history, and check you could still afford payments if rates rose. Many lend around four to four-and-a-half times income, but it varies by lender and circumstance.

How can Properfy help?

Not sure what you need? Tell us about your move and we’ll help you work out the next step.

Questions this guide answers

  • How much can I borrow?
  • How do lenders assess affordability?
  • Can self-employed people get mortgages?
  • What documents do I need?

Tell us about your move

Buying, selling, remortgaging or simply not sure where to start? Tell us what you’re trying to do and we’ll help you work out what you need.