How much mortgage can I get on a £25,000 salary?

On a £25,000 salary, you could typically borrow £100,000 to £125,000 depending on the lender. Most lenders offer 4-4.5x your income, with some offering up to 5x for high earners.

What would monthly payments be on a £25,000 salary mortgage?

Borrowing £112,500 at 4.5% over 25 years would cost approximately £625.31 per month. Your actual rate may be higher or lower.

How much deposit do I need for a house on £25,000?

A 10% deposit on a property affordable with this salary would be approximately £12,500. This allows you to buy a home worth £125,000.

How much is Stamp Duty on a £25,000 salary mortgage?

For a property worth £125,000, you would pay £0 in Stamp Duty (or £0 if you are a first-time buyer).

2025/26 Tax Year

Mortgage on £25,000 Salary

On a £25,000 salary, you could borrow between £100,000 and £125,000 for a mortgage.

Conservative (4x)

£100,000

Standard (4.5x)

£112,500

Maximum (5x)

£125,000

Monthly (4.5%)

£625.31

Your Income Details

Calculate how much you can borrow for 2025/26

Your Annual Salary

Partner's Annual Salary (optional)

Deposit Available

Interest Rate (%)

Mortgage Term (years)

What You Could Afford

Based on £25,000 combined income

£137,500

Maximum Property Value (4.5x)

You Could Borrow

£112,500

Monthly Payment

£625.31

Conservative (4x)£125,000

Standard (4.5x)£137,500

Maximum (5x)£150,000

Your Deposit£25,000

Loan-to-Value (LTV)

Lower is better for rates

82%

% of Take-Home

Mortgage vs monthly income

35%

Borrowing on £25,000

With a £25,000 salary, most UK lenders will offer you between 4 and 4.5 times your income. This means you could borrow £100,000 to £112,500. Some lenders may stretch to 5x (£125,000) for borrowers with excellent credit and low outgoings.

Add a Deposit

With a £25,000 deposit, you could afford a property worth £137,500. A larger deposit means better interest rates and more property options. Aim for 10-20% of the property value for the best deals.

Joint Application

Buying with a partner? If they also earn £25,000, your combined borrowing power would be £225,000 at 4.5x. This significantly increases what you can afford.