How much could I borrow?
A 30-second indicative estimate based on income multiples. Not a mortgage offer.
£189,000
Indicative borrowing on a 4.5× income multiple
Conservative
£168,000
4.0× income
Typical
£189,000
4.5× income
Stretched
£199,500
4.75×, affordability dependent
Deposit needed at typical (4.5×) borrowingSmaller deposit = higher LTV = pricier rate
95% LTV (5%)
£9,947
Residential floor. Up to £198,947
90% LTV (10%)
£21,000
Wider lender choice. Up to £210,000
75% LTV (25%)
£63,000
BTL minimum, best pricing. Up to £252,000
Based on 4.0×/4.5×/4.75× income multiples. Lenders also stress-test at their reversion rate (SVR) plus 1–2%, which often becomes the binding constraint with commitments or dependants.
Want a properly stress-tested figure? The full affordability check factors in your property, household, and savings opportunities.
Run the full checkHomecue is an introducer service. These figures are indicative and not a mortgage offer.