Answers · UK 2025/26
How big a mortgage can I get on a £190,000 salary?
Typically around £760,000 to £855,000, based on the common 4x to 4.5x income multiple lenders apply (4 to 4.5 times £190,000). Some lenders stretch further for high earners with strong credit, but affordability checks usually pull the achievable figure down.
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Most UK lenders cap borrowing at roughly 4 to 4.5 times gross annual income, so on a £190,000 salary you could typically borrow between £760,000 and £855,000. A small number of lenders offer 5x for high earners with an excellent credit profile, potentially reaching £950,000, but income multiples are only a starting point before a full affordability assessment. Worked example: borrowing £855,000 over 25 years at 5.0% costs about £4,998 a month. Take-home pay on a £190,000 salary is roughly £9,644 a month for 2026/27 after Income Tax, National Insurance and the Personal Allowance taper above £100,000, so this payment is around 52% of net income, well above the 35-40% level most lenders prefer. Adding a deposit increases the property price you can target: £855,000 borrowing plus a £200,000 deposit buys a property around £1,055,000. Use the mortgage affordability calculator to factor in your deposit and outgoings, and the take-home pay calculator to check your real monthly budget.
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This answer is informational only and does not constitute financial, tax or legal advice. Figures are for the 2025/26 UK tax year. See our methodology and sources.