13 articles tagged with Mortgage Affordability.
There's no legal limit on the number of buy-to-let mortgages you can hold, but PRA portfolio landlord rules and lender caps mean growing a portfolio gets harder past four properties.
A worked case study of how much mortgage a £45,000 salary can support in the UK, covering income multiples, stress testing, take-home pay and deposit requirements.
Same salary, different city — which gives a first-time buyer a bigger mortgage and a smaller deposit hurdle? Comparing Nottingham and Sheffield property prices, stamp duty and affordability in 2026/27.
A £100,000 salary typically supports a mortgage of around £450,000 at a 4.5x income multiple in 2026. Take-home pay, the 60% tax trap and a worked example.
A £30,000 salary typically borrows around £135,000 at standard 4.5x income multiples in 2026. Full affordability breakdown, take-home pay and a worked first-time buyer example.
A £35,000 salary typically supports a mortgage of around £157,500 at a 4.5x income multiple in 2026. Take-home pay, deposit sizes and a worked buying example.
A £70,000 salary typically supports a mortgage of around £315,000 at a 4.5x income multiple in 2026. Higher-rate tax, take-home pay and a worked example.
Two incomes totalling £90,000 (e.g. £50,000 and £40,000) typically borrow around £405,000 in 2026. How joint applications work, combined take-home pay and a worked example.
Why buying a home above the Lifetime ISA £450,000 price cap in 2026/27 triggers the full 25% withdrawal charge, even though you are still a genuine first-time buyer, with a worked example.
Lenders deduct committed childcare costs in full from your income before calculating what you can borrow. How this catches parents out, and what to do about it.
How long to save a UK house deposit in 2026: LISA bonus, Help to Save, average deposit amounts by region, salary sacrifice, investment vs cash ISA — with real worked examples.
How lenders calculate what you can borrow in 2026: income multiples, stress tests, credit scoring, self-employed applications and how to maximise your affordability.
Realistic timeline for saving a house deposit in 2026: average UK prices, savings rates, LISA bonus, and how to shave years off the process.
