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How It Works
Income Multiplier
Lenders can lend up to 6.5 times your annual income, depending on your income level, deposit size, and whether you're a first-time buyer.
Commitments
Monthly financial commitments like loans and credit cards reduce your borrowing capacity.
Dependents
Lenders consider the cost of supporting dependents when assessing affordability.
Deposit Size Matters
A larger deposit (10-15%+) significantly increases borrowing capacity as it qualifies you for higher income multipliers.
First-Time Buyers
First-time buyers may qualify for more generous lending with lower income requirements and smaller deposits.
Ready to take the next step?
Speak to one of our advisers — no obligation, just expert guidance on what you can borrow and how to get the best deal.