MORTGAGE AFFORDABILITY
Salary needed for a mortgage
Illustrative salary needed
£55,556
Income multiples are only a starting point. Lenders also assess commitments, term, age, credit history and stressed payments.
SOURCES & REVIEW
Checked against official guidance
Last checked 14 July 2026 · Rule version GB-2026.27.1
FCA: Mortgage affordability ↗COMMON QUESTIONS
Frequently asked questions
Is 4.5 times salary guaranteed?
No. It is an illustration; lender policies and affordability checks vary.
Can two incomes be used?
Often yes, subject to each lender’s treatment of income and commitments.