How much can you borrow?
Your budget is set by two limits: how much cash you have and how much the bank lends against your income. Here is the price you can reach.
highest price
Gross per month, before tax
Adjust the bank’s limit
How many times yearly income the bank lends. Its own credit policy, not a law. Commonly 5–6 times.
How we calculate
How expensive a home you can buy is set by two ceilings. One is the mortgage cap: you can borrow at most 90 % of the home value, so your down payment must cover at least 10 % of the price. The other is the bank’s credit assessment, where the loan is weighed against your income.
Debt-to-income is the bank’s own limit
Since 1 April 2026 there is no statutory debt-to-income cap. But each bank has its own policy, often around 5–6 times the household’s gross yearly income. Adjust the figure and see how it shapes your highest price.
A loan promise is not a bid
The loan promise shows the ceiling, not what you should pay. Always work out the monthly cost at the price you actually aim for, and stress-test for a higher rate before you bid.
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