How much can I borrow on £100,000?
Earning £100,000? Most lenders will offer around £450,000, which costs £2,501 a month at 4.5% over 25 years.
- Borrow at 4.5x income
- £450,000
- Monthly payment (4.5%, 25y)
- £2,501
- Share of take-home pay
- 44%
- Home price with 10% deposit
- £500,000
- HMRC 2026/27 rates
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On a £100,000 salary you can typically borrow £400,000 to £450,000. A £450,000 mortgage at 4.5% over 25 years costs £2,501 a month, 44% of your take-home pay.
What £100,000 could borrow at each income multiple
The home it could buy
| Deposit | Home price | Deposit needed | Stamp duty (first-time buyer) |
|---|---|---|---|
| 5% | £474,000 | £24,000 | £8,700 |
| 10% | £500,000 | £50,000 | £10,000 |
| 15% | £529,000 | £79,000 | £16,450 |
| 25% | £600,000 | £150,000 | £20,000 |
Buying with someone else
| Household income | Borrow at 4.5x | A month at 4.5% |
|---|---|---|
| £100,000 | £450,000 | £2,501 |
| £120,000 | £540,000 | £3,002 |
| £200,000 | £900,000 | £5,002 |
Joint applications add both incomes together. Lenders then take off regular commitments like car finance, credit cards and childcare, so large debts cut what you can borrow.
Keep going
- Monthly payments on a £450,000 mortgage at every rate.
- Your take-home on £100,000 after tax.
- The full picture in how much can I borrow for a mortgage?
Questions people ask
How much can I borrow on £100,000?
Usually £400,000 to £450,000, at 4 to 4.5 times your income. Some lenders offer up to 5.5 times (£550,000) to higher earners or certain professions, and every lender checks your outgoings and credit history first.
What house can I buy on £100,000?
With a 10% deposit and a £450,000 mortgage, about £500,000. With a 15% deposit, about £529,412.
Is a £450,000 mortgage affordable on £100,000?
At 4.5% the payment is £2,501 a month, 44% of your £5,713 monthly take-home pay. Lenders also stress test at higher rates to check you could still pay if rates rise.