{"id":4197,"date":"2026-08-20T10:17:13","date_gmt":"2026-08-20T09:17:13","guid":{"rendered":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/?page_id=4197"},"modified":"2026-08-20T10:25:54","modified_gmt":"2026-08-20T09:25:54","slug":"minimum-salary-for-a-mortgage","status":"publish","type":"page","link":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/minimum-salary-for-a-mortgage\/","title":{"rendered":"What is the minimum salary for a mortgage?"},"content":{"rendered":"<div class=\"wp-block-post-date\"><time datetime=\"2026-08-20T10:17:13+01:00\">August 20, 2026<\/time><\/div>\n\n<div class=\"c-section c-section--primary-lighter my-4\" id=\"\">\n    <h2 class=\"c-section__title\">\n        In summary:    <\/h2>\n    <div class=\"c-section__content\">\n        <ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"0\" data-aria-level=\"1\"><span data-contrast=\"auto\">There is no minimum salary requirement for getting a mortgage. What matters to a lender is that you can afford the repayments of your mortgage amount, based on your deposit size, total income, outgoings, and other factors.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"0\" data-aria-level=\"1\"><span data-contrast=\"auto\">Many lenders use an income multiple when assessing affordability, but the cap varies. As a rough guide, borrowing between 4 and 4.5 times your annual income is common, though some multiples could be higher.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"0\" data-aria-level=\"1\"><span data-contrast=\"auto\">A larger deposit can reduce the amount you need to borrow, which may lower the salary or income needed to qualify for a particular mortgage amount.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n    <\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">There isn\u2019t a fixed minimum salary needed to apply for a mortgage. Instead, lenders usually look at your overall financial position \u2013 including your income, regular spending, deposit and <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/credit-score\/\" data-type=\"page\" data-id=\"597\">credit history<\/a> \u2013 to assess how much they would be willing to lend. Some lenders may use income multiples as part of their assessment of your affordability, but this is only one factor and the approach varies by lender. &nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, all lenders have their own assessment criteria, so there is no official minimum salary amount. Instead, when assessing a mortgage application, lenders typically look at:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your total household income (individual or joint)&nbsp;<\/li>\n\n\n\n<li>The type of income you have (e.g. whether it&#8217;s PAYE, self-employed or zero-hours)<\/li>\n\n\n\n<li>Your deposit size&nbsp;<\/li>\n\n\n\n<li>Your regular spending and debts&nbsp;<\/li>\n\n\n\n<li>Your credit history&nbsp;<\/li>\n\n\n\n<li>The type of property you&#8217;re buying\u00a0<\/li>\n<\/ul>\n\n\n\n<h3 id=\"salary-vs-income\" class=\"wp-block-heading\">Salary vs. income&nbsp;&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For a mortgage application, &#8216;salary&#8217; usually refers to the regular income you earn through PAYE employment. This is your standard pay before any extras such as bonuses or commission.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Other types of income from your job, such as bonuses, commission and overtime, are often assessed separately from your salary. Lenders use different criteria for assessing applications, so may not count all of this income, or only use a percentage of it when working out how much you could borrow.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8216;Income&#8217; can include multiple sources. It can include earnings from self-employed or freelance work, wages from multiple employers, and other regular sources of income.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The amount a lender considers may vary depending on its assessment criteria and your wider financial circumstances.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To help you understand how PAYE salary may be considered when applying for a mortgage, we\u2019ve provided illustrative examples below. The amount you may be able to borrow will vary by lender, as different lenders have their own <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/\" target=\"_blank\" rel=\"noreferrer noopener\">affordability<\/a> assessment criteria. &nbsp;<\/p>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/self-employed-mortgages\/\"\n   target=\"\"\n   class=\"c-related-slim\"\n   id=\"\">\n    <div class=\"c-related-slim__icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2023\/11\/contents.png\" alt=\"\">\n            <\/div>\n    <div class=\"c-related-slim__body\">\n        <div class=\"c-related-slim__legend\">MORTGAGE GUIDES<\/div>\n        <div class=\"c-related-slim__title\">How to get a self-employed mortgage<\/div>\n    <\/div>\n    <div class=\"c-related-slim__cta\">\n        <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>    <\/div>\n<\/a>\n\n\n\n<h2 id=\"estimated-salary-needed-for-different-mortgage-amounts\" class=\"wp-block-heading\">Estimated salary needed for different mortgage amounts&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many lenders use income multiples as a starting point, to see if you can afford monthly repayments for the mortgage you need. For example, some lenders may lend around 4x your income, while others may be willing to lend up to 5x income for some borrowers.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The table below shows illustrative examples based on typical lending multiples of 4 and 4.5. Lending criteria change regularly, and full affordability checks apply in all cases, so these figures are for illustration only.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Salary required by house price, if buying with a 10% deposit<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">House price<\/th><th class=\"has-text-align-center\" data-align=\"center\">10% deposit<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mortgage amount<\/th><th class=\"has-text-align-center\" data-align=\"center\">Estimated salary, based on 4x income*<\/th><th class=\"has-text-align-center\" data-align=\"center\">Estimated salary, based on 4.5x income*<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">\u00a3100,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a310,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a390,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a322,500<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a320,000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u00a3200,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a320,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3180,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a345,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a340,000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u00a3300,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a330,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3270,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a367,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a360,000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u00a3400,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a340,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3360,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a390,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a380,000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u00a3500,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a350,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3450,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3112,500<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3100,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>*Illustrative examples based on a 10% deposit. Actual affordability assessments vary by lender and individual circumstances and do not guarantee what you may be able to borrow. There is no minimum salary needed to get a mortgage.\u00a0<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Salary required by house price, if buying with a 5% deposit<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">House price<\/th><th class=\"has-text-align-center\" data-align=\"center\">5% deposit<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mortgage amount<\/th><th class=\"has-text-align-center\" data-align=\"center\">Estimated salary, based on 4x income*<\/th><th class=\"has-text-align-center\" data-align=\"center\">Estimated salary, based on 4.5x income*<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">\u00a3100,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a35,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a395,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a323,750&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a321,111&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u00a3200,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a310,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3190,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a347,500<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a342,222&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u00a3300,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a315,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3285,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a371,250<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a363,333&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u00a3400,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a320,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3380,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a395,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a384,444&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u00a3500,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a325,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3475,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3118,750&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3105,556<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>*Illustrative examples based on a 5% deposit. Actual affordability assessments vary by lender and individual circumstances and do not guarantee what you may be able to borrow. There is no minimum salary needed to get a mortgage.\u00a0<\/em><\/p>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/mortgage-calculator\"\n   target=\"\"\n   class=\"my-5 c-calculator-module c-calculator-module--tall c-calculator-module--layout-1 c-calculator-module--light \" \n   data-module-admin-id=\"1b086b87b512ef3d1c2bed3346f87a8c\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/doccalc.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Try our Mortgage Calculator<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><p>Work out your home-buying budget<\/p>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n\n\n\n<h2 id=\"how-does-your-deposit-affect-the-salary-you-need\" class=\"wp-block-heading\">How does your deposit affect the salary you need?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">One of the simplest ways to reduce the amount you need to borrow is to increase your deposit. The size of your deposit impacts your loan-to-value (LTV) ratio, which factors into lenders&#8217; affordability assessments.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A smaller deposit means you need to borrow more of the property&#8217;s value. Depending on the <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/What-are-mortgage-terms-resized.jpg\" data-type=\"attachment\" data-id=\"1235\">length of mortgage term<\/a> you apply for, the salary requirement may be higher than if you had a larger deposit. Some lenders could also apply stricter affordability and eligibility criteria at higher loan-to-value ratios.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The more deposit you put down, the lower your mortgage loan is likely to be. This can improve affordability calculations and could reduce the impact that your salary has on eligibility.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What salary is required based on house deposit amount<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">House price<\/th><th class=\"has-text-align-center\" data-align=\"center\">Deposit\u00a0<\/th><th class=\"has-text-align-center\" data-align=\"center\">LTV<\/th><th class=\"has-text-align-center\" data-align=\"center\">Mortgage needed<\/th><th class=\"has-text-align-center\" data-align=\"center\">Estimated household salary* (4.5x income)\u00a0<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\" rowspan=\"2\">\u00a3100,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">5% (\u00a35,000)&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">95%&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a395,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a321,111&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">10% (\u00a310,000)&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">90%&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a390,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a320,000&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\" rowspan=\"2\">\u00a3200,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">5% (\u00a310,000)&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">95%&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3190,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a342,222&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">10% (\u00a320,000)&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">90%&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3180,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a340,000&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\" rowspan=\"2\">\u00a3300,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">5% (\u00a315,000)&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">95%&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3285,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a363,333&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">10% (\u00a330,000)&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">90%&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3270,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a360,000&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\" rowspan=\"2\">\u00a3400,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">5% (\u00a320,000)&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">95%&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3380,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a384,444&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">10% (\u00a340,000)&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">90%&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3360,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a380,000&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\" rowspan=\"2\">\u00a3500,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">5% (\u00a325,000)&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">95%&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3475,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3105,556&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">10% (\u00a350,000)&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">90%&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3450,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3100,000&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>*These are illustrative examples only, based on 4.5x income multiples. Actual affordability assessments vary by lender and individual circumstances. Figures do not account for credit commitments, expenditure, interest rates, mortgage terms, dependents or lender criteria. There is no official minimum salary.&nbsp;<\/em><\/p>\n\n\n\n<h3 id=\"why-can-a-bigger-deposit-help-with-lower-salaries\" class=\"wp-block-heading\"><strong>Why can a bigger deposit help with lower salaries?<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Having a lower LTV mortgage is less risky for lenders, because you&#8217;re borrowing a smaller proportion of the property&#8217;s value. As a result, borrowers with larger deposits may have access to a wider range of mortgage options if their income is lower, as well as other benefits.&nbsp;<\/p>\n\n\n\n<h2 id=\"how-much-can-i-borrow-based-on-my-salary\" class=\"wp-block-heading\">How much can I borrow based on my salary?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">How much you might be able to borrow will depend on the affordability assessment criteria set by lenders. Different lenders will have different rules, and some may be more willing to lend a higher income multiple, depending on individual circumstances.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The examples below use the more common income multiples and are intended as a guide only.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Potential borrowing amount based on salary<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Salary\u00a0or income<\/th><th class=\"has-text-align-center\" data-align=\"center\">Potential borrowing at 4x income\u00a0<\/th><th class=\"has-text-align-center\" data-align=\"center\">Potential borrowing at 4.5x income<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">\u00a330,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3120,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3135,000&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u00a340,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3160,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3180,000&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u00a350,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3200,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3225,000&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u00a360,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3240,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3270,000&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u00a370,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3280,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3315,000&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u00a380,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3320,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3360,000&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u00a3100,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3400,000&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00a3450,000&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>*Potential borrowing figures are illustrative examples only, based on 4.5x income multiples. Actual affordability assessments vary by lender and are subject to full affordability and eligibility checks.&nbsp;<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Remember that affordability assessments typically go beyond income alone. Existing loans, childcare costs, credit commitments and other regular spending can all affect how much a lender is willing to offer.&nbsp;<\/p>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/mortgage-in-principle\"\n   target=\"\"\n   class=\"my-5 c-calculator-module c-calculator-module--tall c-calculator-module--layout-1 c-calculator-module--light \" \n   data-module-admin-id=\"3386f6ee6b53b840f6c740b65f24bc71\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/calc-medium.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Get a Mortgage in Principle<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><ul>\n<li>Find out how much you can borrow<\/li>\n<li>Instant result<\/li>\n<li>No commitment<\/li>\n<li>No impact on your credit score<\/li>\n<\/ul>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n            <div class=\"c-calculator-module__footer__item c-calculator-module__powered\">\n                            <span>Powered by<\/span> <img decoding=\"async\" src=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2026\/05\/NatWest-dark-logo-300x108.png\" alt=\"\">\n                        <\/div>            <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n\n\n\n<h2 id=\"what-else-affects-mortgage-affordability\" class=\"wp-block-heading\">What else affects mortgage affordability?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Working out <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/\" target=\"_blank\" rel=\"noreferrer noopener\">how much you can afford for a mortgage<\/a> involves a number of factors.&nbsp;<\/p>\n\n\n\n<h3 id=\"your-finances\" class=\"wp-block-heading\">Your finances&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lenders want to understand how much of your income is already committed to existing expenses, and how you can manage monthly payments.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">They may ask about:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Credit cards&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Personal loans&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Car finance&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Childcare costs&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Household bills&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Regular subscriptions&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 id=\"your-credit-history\" class=\"wp-block-heading\">Your credit history<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Your credit report can help lenders understand how you&#8217;ve managed borrowing in the past.&nbsp;<\/p>\n\n\n\n<h3 id=\"joint-mortgage-applications\" class=\"wp-block-heading\">Joint mortgage applications&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Applying for a mortgage with another person could mean there are two salaries to consider, increasing total household income. This may increase the amount available to borrow.&nbsp;<\/p>\n\n\n\n<h3 id=\"mortgage-term\" class=\"wp-block-heading\">Mortgage term&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A longer mortgage term can reduce monthly repayments, although you may pay more interest over the life of the mortgage.&nbsp;<\/p>\n\n\n<figure class=\"c-author-quote c-box\" id=\"block_fcd4292e0ada85b9e2bc31aadea686d3\">\n    <blockquote class=\"c-author-quote__quote\">\n        <p><span data-contrast=\"auto\">When mortgage lenders assess your application, your salary or total household income is only one part of the picture.\u00a0 Each lender has different criteria for assessing how much they are willing to lend based on your income &#8211; considering other factors such as your credit history, your deposit amount and the cost of the home you wish to purchase.\u00a0<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">It&#8217;s worth remembering that you can see how your actual income affects what you can borrow with mortgage calculators, or get a more personalised result with a Mortgage in Principle.<\/span><\/p>\n    <\/blockquote>\n     \n    <figcaption class=\"c-author-quote__author\">\n                    <img decoding=\"async\" src=\"https:\/\/www.rightmove.co.uk\/guides\/content\/uploads\/2026\/01\/Matt_Smith_headshot-300x300.png\" alt=\"Matt Smith\" class=\"c-c-author-quote__author__img\">\n                <div class=\"c-author-quote__author__info\">\n            <strong>Matt Smith<\/strong>,<br \/>\n            Rightmove Mortgages Expert        <\/div>\n    <\/figcaption>\n<\/figure>\n\n\n<h2 id=\"find-out-what-you-could-borrow-with-your-salary\" class=\"wp-block-heading\">Find out what you could borrow with your salary&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For a better view of what you might be able to afford with your current income, you can:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use our <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/mortgage-calculator\" target=\"_blank\" rel=\"noreferrer noopener\">Mortgage Calculator,<\/a> which estimates affordability and monthly repayments based on details such as income, deposit and mortgage term.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get a <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/mortgage-in-principle\/\" target=\"_blank\" rel=\"noreferrer noopener\">Mortgage in Principle<\/a>, which shows you how much you could borrow, based on personal details you provide. It usually takes around 15 minutes and uses a soft credit search, so won\u2019t affect your credit score.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 id=\"faqs\" class=\"wp-block-heading\">FAQs<\/h2>\n\n\n<ul class=\"c-faqs\" id=\"\">\n            <li class=\"c-faqs__item\">\n            <h3 id=\"is-there-a-minimum-salary-needed-to-get-a-mortgage\" class=\"c-faqs__question\">Is there a minimum salary needed to get a mortgage? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW222416288 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW222416288 BCX0\">No. There <\/span><span class=\"NormalTextRun SCXW222416288 BCX0\">isn&#8217;t<\/span><span class=\"NormalTextRun SCXW222416288 BCX0\"> a universal minimum salary requirement. Lenders focus on affordability, including your income, <\/span><span class=\"NormalTextRun SCXW222416288 BCX0\">deposit<\/span><span class=\"NormalTextRun SCXW222416288 BCX0\"> and spending commitments.<\/span><\/span><\/p>\n<p><span class=\"EOP Selected SCXW222416288 BCX0\" data-ccp-props=\"{}\"><span class=\"NormalTextRun CommentStart CommentHighlightPipeRest CommentHighlightRest SCXW221876886 BCX0\">You also <\/span><span class=\"NormalTextRun CommentHighlightRest SCXW221876886 BCX0\">don&#8217;t<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW221876886 BCX0\"> need to be paid a traditional PAYE salary to <\/span><span class=\"NormalTextRun CommentHighlightRest SCXW221876886 BCX0\">get <\/span><span class=\"NormalTextRun CommentHighlightRest SCXW221876886 BCX0\">a mortgage, as<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW221876886 BCX0\"> many<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW221876886 BCX0\"> lenders <\/span><span class=\"NormalTextRun CommentHighlightRest SCXW221876886 BCX0\">will<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW221876886 BCX0\"> also<\/span><span class=\"NormalTextRun CommentHighlightRest SCXW221876886 BCX0\"> consider <\/span><span class=\"NormalTextRun CommentHighlightRest SCXW221876886 BCX0\">applicants with alternative types of income, for applicants who are self-employed or freelance.<\/span>\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"can-i-get-a-mortgage-with-a-30000-salary\" class=\"c-faqs__question\">Can I get a mortgage with a \u00a330,000 salary? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW174878650 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW174878650 BCX0\">Depending on the amount you wish to borrow, and your individual circumstances, it could<\/span><span class=\"NormalTextRun SCXW174878650 BCX0\"> be possible. Based on common income multiples, a salary of \u00a330,000 might support borrowing of around \u00a3120,000 to \u00a3135,000, subject to affordability checks and lender criteria.<\/span><\/span><span class=\"EOP Selected SCXW174878650 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p>You can also speak to regulated <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/mortgage-broker-adviser\/\">mortgage broker<\/a> to understand what borrowing options you have, based on your income.<\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"how-much-salary-do-i-need-for-a-300000-mortgage\" class=\"c-faqs__question\">How much salary do I need for a \u00a3300,000 mortgage? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW140412182 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW140412182 BCX0\">Using common income multiples, <\/span><span class=\"NormalTextRun SCXW140412182 BCX0\">a<\/span><span class=\"NormalTextRun SCXW140412182 BCX0\"> total salary or income<\/span><span class=\"NormalTextRun SCXW140412182 BCX0\"> of around \u00a366,700 to \u00a375,000 <\/span><span class=\"NormalTextRun SCXW140412182 BCX0\">could support<\/span> <span class=\"NormalTextRun SCXW140412182 BCX0\">an application to borrow<\/span><span class=\"NormalTextRun SCXW140412182 BCX0\"> \u00a3300,000.<\/span> <span class=\"NormalTextRun SCXW140412182 BCX0\">However, <\/span><span class=\"NormalTextRun SCXW140412182 BCX0\">a<\/span><span class=\"NormalTextRun SCXW140412182 BCX0\">ctual<\/span><span class=\"NormalTextRun SCXW140412182 BCX0\"> lending decisions will depend on your circumstances.<\/span><\/span><span class=\"EOP Selected SCXW140412182 BCX0\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"does-a-bigger-deposit-reduce-the-salary-i-need\" class=\"c-faqs__question\">Does a bigger deposit reduce the salary I need? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW135467083 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW135467083 BCX0\">A larger deposit reduces the amount you need to borrow, which can improve affordability calculations and lower the income needed for a particular property purchase.<\/span><\/span><span class=\"EOP Selected SCXW135467083 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"can-i-get-a-mortgage-with-a-5-deposit\" class=\"c-faqs__question\">Can I get a mortgage with a 5% deposit? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW28614063 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun CommentStart SCXW28614063 BCX0\">Some lenders<\/span><span class=\"NormalTextRun SCXW28614063 BCX0\">, such as <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW28614063 BCX0\">Natwest<\/span><span class=\"NormalTextRun SCXW28614063 BCX0\">,<\/span><span class=\"NormalTextRun SCXW28614063 BCX0\"> offer mortgages with 5% deposits<\/span><span class=\"NormalTextRun SCXW28614063 BCX0\"> for first-time buyers or home movers. <\/span><span class=\"NormalTextRun SCXW28614063 BCX0\">Availability, affordability <\/span><span class=\"NormalTextRun SCXW28614063 BCX0\">requirements<\/span><span class=\"NormalTextRun SCXW28614063 BCX0\"> and product choices <\/span><span class=\"NormalTextRun SCXW28614063 BCX0\">will <\/span><span class=\"NormalTextRun SCXW28614063 BCX0\">vary between lenders.<\/span><\/span><span class=\"EOP Selected SCXW28614063 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"how-accurate-are-income-multiples\" class=\"c-faqs__question\">How accurate are income multiples? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW153870711 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW153870711 BCX0\">Income multiples are useful as a starting point, but lenders typically complete a more detailed affordability assessment before <\/span><span class=\"NormalTextRun AdvancedProofingIssueV2Themed SCXW153870711 BCX0\">making a decision<\/span><span class=\"NormalTextRun SCXW153870711 BCX0\">.<\/span><\/span><span class=\"EOP Selected SCXW153870711 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n    <\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Please note: Your home may be repossessed if you do not keep up repayments on the mortgage. Early Repayment Charges may apply if you leave your current mortgage during the fixed-rate period. Rightmove is not authorised to give financial advice; the information and opinions provided in these articles are not intended to be financial advice and should not be relied upon when making financial decisions. Please seek advice from a regulated mortgage adviser.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>There isn\u2019t a fixed minimum salary needed to apply for a mortgage. Instead, lenders usually look at your overall financial position \u2013 including your income, regular spending, deposit and credit history \u2013 to assess how much they would be willing to lend. Some lenders may use income multiples as part of their assessment of your [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":4199,"parent":655,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","author_profile":[9895]},"class_list":["post-4197","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":{"author_profile":["9895"]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is the minimum salary for a mortgage? - Rightmove<\/title>\n<meta name=\"description\" content=\"What salary do you need for a mortgage? 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