2 articles tagged with Mortgage Affordability 2026.
A GBP 50,000 salary usually borrows around GBP 225,000, but stress tests, deposit size and debts move the number. Here is what a 50k earner can realistically buy.
Most lenders will offer 4-4.5x salary, meaning you need £66,667-£75,000 to borrow £300k alone. Joint applications, higher deposits and stress-test rates all affect the answer.