How much can I borrow on £74,000?
Earning £74,000? Most lenders will offer around £333,000, which costs £1,851 a month at 4.5% over 25 years.
- Borrow at 4.5x income
- £333,000
- Monthly payment (4.5%, 25y)
- £1,851
- Share of take-home pay
- 42%
- Home price with 10% deposit
- £370,000
- HMRC 2026/27 rates
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On a £74,000 salary you can typically borrow £296,000 to £333,000. A £333,000 mortgage at 4.5% over 25 years costs £1,851 a month, 42% of your take-home pay.
What £74,000 could borrow at each income multiple
The home it could buy
| Deposit | Home price | Deposit needed | Stamp duty (first-time buyer) |
|---|---|---|---|
| 5% | £351,000 | £18,000 | £2,550 |
| 10% | £370,000 | £37,000 | £3,500 |
| 15% | £392,000 | £59,000 | £4,600 |
| 25% | £444,000 | £111,000 | £7,200 |
Buying with someone else
| Household income | Borrow at 4.5x | A month at 4.5% |
|---|---|---|
| £74,000 | £333,000 | £1,851 |
| £94,000 | £423,000 | £2,351 |
| £148,000 | £666,000 | £3,702 |
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 £330,000 mortgage at every rate.
- Your take-home on £74,000 after tax.
- The full picture in how much can I borrow for a mortgage?
Questions people ask
How much can I borrow on £74,000?
Usually £296,000 to £333,000, at 4 to 4.5 times your income. Some lenders offer up to 5.5 times (£407,000) to higher earners or certain professions, and every lender checks your outgoings and credit history first.
What house can I buy on £74,000?
With a 10% deposit and a £333,000 mortgage, about £370,000. With a 15% deposit, about £391,765.
Is a £333,000 mortgage affordable on £74,000?
At 4.5% the payment is £1,851 a month, 42% of your £4,456 monthly take-home pay. Lenders also stress test at higher rates to check you could still pay if rates rise.