How much can I borrow?

Lenders typically assess borrowing capacity by looking at your income, outgoings, and employment stability. A common rule of thumb is that you can borrow up to 4.5 times your annual income, but this isn't a guarantee and individual circumstances can impact the final amount. Factors like existing debts, spending habits, and mortgage deposit size also influence affordability.

A mortgage broker can provide advice on this and other aspects of your mortgage application.

Bricks&Logic have partnered with Mortgage Advice Bureau who are one of the UK's leading mortgage brokers.