How much can you afford?

Enter your income and deposit to see how much you could borrow, your likely maximum property price and the monthly repayment — then browse Northumberland homes in your budget.

Your finances

Your annual income £35,000

£12,000£200,000

Partner's annual income £28,000

£0£200,000

Deposit available £40,000

£0£500,000

Lending multiple 4.5×

3.5×5.5×

A guide only — most lenders advance around 4.5× income, but your actual offer depends on credit history, outgoings and the lender's affordability assessment. Speak to a mortgage adviser for an agreement in principle.

Maximum property price

£197,500

Borrowing + your deposit

Your figures

Total income considered

£35,000

Estimated borrowing

£157,500

Plus your deposit

£40,000

Maximum price
£197,500

Est. monthly repayment*

£875

*Repayment estimated over 25 years at 4.5%.

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How much can you afford?

Your finances

Your figures

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