How much can I borrow on £84,000?
Earning £84,000? Most lenders will offer around £378,000, which costs £2,101 a month at 4.5% over 25 years.
- Borrow at 4.5x income
- £378,000
- Monthly payment (4.5%, 25y)
- £2,101
- Share of take-home pay
- 43%
- Home price with 10% deposit
- £420,000
- HMRC 2026/27 rates
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On a £84,000 salary you can typically borrow £336,000 to £378,000. A £378,000 mortgage at 4.5% over 25 years costs £2,101 a month, 43% of your take-home pay.
What £84,000 could borrow at each income multiple
The home it could buy
| Deposit | Home price | Deposit needed | Stamp duty (first-time buyer) |
|---|---|---|---|
| 5% | £398,000 | £20,000 | £4,900 |
| 10% | £420,000 | £42,000 | £6,000 |
| 15% | £445,000 | £67,000 | £7,250 |
| 25% | £504,000 | £126,000 | £15,200 |
Buying with someone else
| Household income | Borrow at 4.5x | A month at 4.5% |
|---|---|---|
| £84,000 | £378,000 | £2,101 |
| £104,000 | £468,000 | £2,601 |
| £168,000 | £756,000 | £4,202 |
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 £380,000 mortgage at every rate.
- Your take-home on £84,000 after tax.
- The full picture in how much can I borrow for a mortgage?
Questions people ask
How much can I borrow on £84,000?
Usually £336,000 to £378,000, at 4 to 4.5 times your income. Some lenders offer up to 5.5 times (£462,000) to higher earners or certain professions, and every lender checks your outgoings and credit history first.
What house can I buy on £84,000?
With a 10% deposit and a £378,000 mortgage, about £420,000. With a 15% deposit, about £444,706.
Is a £378,000 mortgage affordable on £84,000?
At 4.5% the payment is £2,101 a month, 43% of your £4,940 monthly take-home pay. Lenders also stress test at higher rates to check you could still pay if rates rise.