How much can I borrow on £82,000?
Earning £82,000? Most lenders will offer around £369,000, which costs £2,051 a month at 4.5% over 25 years.
- Borrow at 4.5x income
- £369,000
- Monthly payment (4.5%, 25y)
- £2,051
- Share of take-home pay
- 42%
- Home price with 10% deposit
- £410,000
- HMRC 2026/27 rates
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On a £82,000 salary you can typically borrow £328,000 to £369,000. A £369,000 mortgage at 4.5% over 25 years costs £2,051 a month, 42% of your take-home pay.
What £82,000 could borrow at each income multiple
The home it could buy
| Deposit | Home price | Deposit needed | Stamp duty (first-time buyer) |
|---|---|---|---|
| 5% | £388,000 | £19,000 | £4,400 |
| 10% | £410,000 | £41,000 | £5,500 |
| 15% | £434,000 | £65,000 | £6,700 |
| 25% | £492,000 | £123,000 | £9,600 |
Buying with someone else
| Household income | Borrow at 4.5x | A month at 4.5% |
|---|---|---|
| £82,000 | £369,000 | £2,051 |
| £102,000 | £459,000 | £2,551 |
| £164,000 | £738,000 | £4,102 |
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 £370,000 mortgage at every rate.
- Your take-home on £82,000 after tax.
- The full picture in how much can I borrow for a mortgage?
Questions people ask
How much can I borrow on £82,000?
Usually £328,000 to £369,000, at 4 to 4.5 times your income. Some lenders offer up to 5.5 times (£451,000) to higher earners or certain professions, and every lender checks your outgoings and credit history first.
What house can I buy on £82,000?
With a 10% deposit and a £369,000 mortgage, about £410,000. With a 15% deposit, about £434,118.
Is a £369,000 mortgage affordable on £82,000?
At 4.5% the payment is £2,051 a month, 42% of your £4,843 monthly take-home pay. Lenders also stress test at higher rates to check you could still pay if rates rise.