How much can I borrow on £80,000?
Earning £80,000? Most lenders will offer around £360,000, which costs £2,001 a month at 4.5% over 25 years.
- Borrow at 4.5x income
- £360,000
- Monthly payment (4.5%, 25y)
- £2,001
- Share of take-home pay
- 42%
- Home price with 10% deposit
- £400,000
- HMRC 2026/27 rates
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On a £80,000 salary you can typically borrow £320,000 to £360,000. A £360,000 mortgage at 4.5% over 25 years costs £2,001 a month, 42% of your take-home pay.
What £80,000 could borrow at each income multiple
The home it could buy
| Deposit | Home price | Deposit needed | Stamp duty (first-time buyer) |
|---|---|---|---|
| 5% | £379,000 | £19,000 | £3,950 |
| 10% | £400,000 | £40,000 | £5,000 |
| 15% | £424,000 | £64,000 | £6,200 |
| 25% | £480,000 | £120,000 | £9,000 |
Buying with someone else
| Household income | Borrow at 4.5x | A month at 4.5% |
|---|---|---|
| £80,000 | £360,000 | £2,001 |
| £100,000 | £450,000 | £2,501 |
| £160,000 | £720,000 | £4,002 |
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 £360,000 mortgage at every rate.
- Your take-home on £80,000 after tax.
- The full picture in how much can I borrow for a mortgage?
Questions people ask
How much can I borrow on £80,000?
Usually £320,000 to £360,000, at 4 to 4.5 times your income. Some lenders offer up to 5.5 times (£440,000) to higher earners or certain professions, and every lender checks your outgoings and credit history first.
What house can I buy on £80,000?
With a 10% deposit and a £360,000 mortgage, about £400,000. With a 15% deposit, about £423,529.
Is a £360,000 mortgage affordable on £80,000?
At 4.5% the payment is £2,001 a month, 42% of your £4,746 monthly take-home pay. Lenders also stress test at higher rates to check you could still pay if rates rise.