By clicking a retailer link you consent to third-party cookies that track your onward journey. This enables W? to receive an affiliate commission if you make a purchase, which supports our mission to be the UK's consumer champion.
Find the right mortgage using the fee-free service provided by L&C Mortgages
Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Your salary will have a big impact on the amount you can borrow for a mortgage.
Usually, banks and building societies will offer up to four-and-a-half times the annual income of you and anyone you are buying with. This means if you're buying alone and earn £30,000 a year, you could be offered up to £135,000.
There are exceptions to this, however. Some banks offer bigger home loans to borrowers who have higher earnings, bigger deposits, or work in specific professions. If you qualify, you may be able to borrow up to five-and-a-half times your income.
Use our mortgage calculator toolkit for help with your research on buying a home or remortgaging.
We regularly sift through thousands of deals on the market to find the best mortgage rates for first-time buyers, home movers and those planning to remortgage.
You can also use our unique research on the best mortgage lenders to see how customers rate banks on everything from the application process to the ease of managing their mortgage online and overall customer service.
Find the best mortgage for you, with expert help provided by L&C Mortgages
Get advice now