How Much Can I Borrow on a £90,000 Salary?
On a £90,000 salary, most UK lenders will offer a mortgage of £360,000 to £405,000 (4 to 4.5 times your annual income). With a 10% deposit, this gives you a property budget of approximately £450,000.
Max Borrowing (4.5×)
£405,000
Monthly Payment
£2,251.12
at 4.5%
Property Budget (10% dep)
£450,000
Deposit Needed (10%)
£45,000
How Lenders Calculate Your Borrowing on £90,000
UK mortgage lenders typically use an income multiple of 4 to 4.5 times your gross annual salary. On £90,000, this means:
- Conservative (4×): £360,000
- Standard (4.5×): £405,000
Some specialist lenders offer up to 5.5× income for professionals (doctors, solicitors, accountants) or borrowers with very low outgoings. However, most high-street lenders cap at 4.5×.
Lenders also run an affordability stress test at a higher rate (typically base rate + 3–4%) to ensure you could still afford payments if rates rise. Monthly commitments like car finance, credit cards, and childcare reduce the amount available.
Property Budget by Deposit Size
| Deposit % | Deposit Amount | Max Property Price |
|---|---|---|
| 5% | £21,316 | £426,316 |
| 10% | £45,000 | £450,000 |
| 15% | £71,471 | £476,471 |
| 20% | £101,250 | £506,250 |
| 25% | £135,000 | £540,000 |
Frequently Asked Questions
Other Salary Calculations
Borrowing estimates are based on standard UK lender income multipliers (4–4.5×) and do not account for individual circumstances, outgoings, or credit history. Your actual borrowing may be higher or lower. Always consult an FCA-regulated mortgage adviser for personalised advice.