Earning £50,000 a year and wondering how much mortgage you could get? See example borrowing amounts, income multiples and the factors UK mortgage lenders consider when assessing affordability.
Read our latest UK Mortgage Market Update covering 3rd–10th August 2026, including the latest mortgage rates, Lloyds house-price figures, London property prices and what borrowers should watch next.
Read how Oportfolio Mortgages helped a returning UK resident secure a £600,000 mortgage after working overseas by choosing a lender whose criteria suited their circumstances.
Weekly UK mortgage market update covering mortgage rates, interest rate expectations and housing market trends for March 2026.
Case study showing how a London buyer secured a mortgage using bonus income after their lender initially offered lower borrowing.
In most cases, you’ll need a salary of around £120,000–£150,000+ to secure a £600k mortgage in the UK, depending on your deposit size, income structure, and lender affordability rules. Below, we break down realistic salary scenarios, lender calculations and London...
Teachers Building Society highlights mortgage criteria for unusual property types including annexes, basement flats and homes with land.
Buying your first home can feel like stepping into the unknown. With rising property prices, changing mortgage rates and complicated legal processes, many prospective buyers feel unsure about where to begin. To help clarify some of the most common concerns, Heidi...
UK Mortgage Market Update – 9 March 2026 This weekly UK mortgage market update explains what’s happening with mortgage rates, housing trends, and what it means for borrowers right now. The UK mortgage market saw some important developments this week as global economic...
Case Study: Helping a Self-Employed Buyer Secure a Mortgage After Their Bank Declined This mortgage case study is based on a real client scenario. Details have been simplified to protect client confidentiality. Self-employed borrowers often find applying for a...
In most cases, you’ll need a salary of around £100,000–£125,000 to secure a £500k mortgage in the UK, depending on your deposit, income structure, and lender affordability rules. Below, we break down realistic salary scenarios, deposit examples and lender calculations...
Is it better to fix for 2 years or 5 years in 2026? This week’s mortgage FAQ answers one of the most common questions we’re hearing from buyers and homeowners right now, should you choose a 2-year fixed rate or a 5-year fixed rate? This is one of the most common UK...
UK Mortgage Market Update – 2 March 2026 The UK mortgage market continues to shift as expectations around interest rates change, mortgage pricing stabilises, and house price data shows renewed momentum. Here’s what happened this week, and what it means if you’re...
How We Helped a London Buyer Borrow £80,000 More Than Their Bank Offered The Situation Our clients were a London-based professional couple looking to buy their next home with a required mortgage of £700,000. They had strong incomes and a solid deposit in place, but...
In most cases, you’ll need a salary of around £80,000–£100,000 to get a £400k mortgage in the UK, depending on your deposit, income type, and lender affordability rules. Below, we break down realistic salary scenarios, deposit examples and lender calculations so you...
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