{"id":5,"date":"2023-11-08T22:24:29","date_gmt":"2023-11-08T22:24:29","guid":{"rendered":"http:\/\/mortgages.rightmove.localhost\/?page_id=5"},"modified":"2026-05-29T09:32:08","modified_gmt":"2026-05-29T08:32:08","slug":"affordability","status":"publish","type":"page","link":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/","title":{"rendered":"How much mortgage can I afford?"},"content":{"rendered":"<div class=\"c-contents js-toggle c-contents--open\" id=\"\" data-toggle-active=\"c-contents--open\">\n    <button class=\"c-contents__header js-toggle-trigger\">\n        <h2 id=\"contents\" class=\"c-contents__title\">Contents<\/h2>\n        <svg class=\"c-icon c-icon--chevron-line-down c-contents__header__chevron\"><use xlink:href=\"#icon-chevron-line-down\"><\/use><\/svg>    <\/button>\n    <div class=\"c-contents__body js-contents-body\">\n        <div class=\"row\">\n            <div class=\"col-12 col-md-6\">\n                <ul class=\"list-unstyled mb-0\"><li><a href=\"#how-much-money-do-i-need-for-a-mortgage-before-i-start-looking\" target=\"\" class=\"text-decoration-none c-link\">\nHow much money do I need for a mortgage before I start looking?\n<\/a><\/li>\n<li><a href=\"#what-lenders-look-at-when-deciding-if-you-can-afford-a-house\" target=\"\" class=\"text-decoration-none c-link\">\nWhat lenders look at when deciding if you can afford a house\n<\/a><\/li>\n<li><a href=\"#how-to-afford-a-house-without-stretching-your-monthly-budget\" target=\"\" class=\"text-decoration-none c-link\">\nHow to afford a house without stretching your monthly budget\n<\/a><\/li><\/ul>            <\/div>\n            <div class=\"col-12 col-md-6\">\n                <ul class=\"list-unstyled mb-0\"><li><a href=\"#can-i-afford-a-house-on-my-own-or-should-i-buy-with-someone-else\" target=\"\" class=\"text-decoration-none c-link\">\nCan I afford a house on my own or should I buy with someone else?\n<\/a><\/li>\n<li><a href=\"#what-if-interest-rates-change\" target=\"\" class=\"text-decoration-none c-link\">\nWhat if interest rates change?\n<\/a><\/li>\n<li><a href=\"#faqs\" target=\"\" class=\"text-decoration-none c-link\">\nFAQs\n<\/a><\/li><\/ul>            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\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>We&#8217;ll look at how much money you need to buy a house &#8211; including deposits, upfront costs and outgoings that can impact your mortgage affordability<\/li>\n<li>While it\u2019s a key part, lenders don\u2019t <em>just<\/em> look at your monthly income. They\u2019ll also consider your other credit commitments, your <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/credit-score\/\">credit score<\/a> and your deposit<\/li>\n<li>Mortgage affordability looks at whether you can afford a house comfortably, not just on paper, but alongside everyday living costs<\/li>\n<li>Tools like <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/mortgage-calculator\">mortgage calculators<\/a> can help give an idea of what your monthly payments might look like, so you can plan your search with confidence<\/li>\n<\/ul>\n    <\/div>\n<\/div>\n\n\n\n<p>Buying a home starts with one big question: can I afford a house, and where?<br>Before kickstarting your search for your next home, it\u2019s worth understanding how much you might need for a mortgage, what costs come first, and how lenders look at affordability.<\/p>\n\n\n\n<p>This guide explains the key factors that shape what you can afford, how to plan realistically, and how our <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\">mortgage tools<\/a> can help you sense check your budget early on.<\/p>\n\n\n\n<p>How much a <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/how-much-can-i-borrow-with-a-mortgage\/\">lender might be willing to loan to you<\/a> is important part when considering affordability for a mortgage. But, it\u2019s just as important to consider what you personally might be comfortable spending each month, given that it\u2019s a long-term financial commitment.<\/p>\n\n\n\n<h2 id=\"how-much-money-do-i-need-for-a-mortgage-before-i-start-looking\" class=\"wp-block-heading\">How much money do I need for a mortgage before I start looking?<\/h2>\n\n\n\n<p>When considering how much money you need to buy a house, it can be helpful to think about more than just the price on the listing.<\/p>\n\n\n\n<p>To get mortgage\u2011ready, you\u2019ll normally need money set aside for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A deposit (often a percentage of the property price)<\/li>\n\n\n\n<li>Up\u2011front buying costs (such as legal fees and surveys)<\/li>\n\n\n\n<li>Ongoing monthly repayments, plus everyday living costs<\/li>\n<\/ul>\n\n\n\n<p>It can be good to think of mortgage affordability as borrowing in a way that fits comfortably with your lifestyle (both now and in the future). Using a <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/mortgage-calculator\">mortgage calculator<\/a> can be a good way to gauge what your monthly payments might look like.<\/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--slim 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 class=\"c-calculator-module__title__icon\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/calculator.svg);\"><\/span><span>Try our Mortgage Calculator<\/span>        <\/h2>\n        \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=\"what-lenders-look-at-when-deciding-if-you-can-afford-a-house\" class=\"wp-block-heading\">What lenders look at when deciding if you can afford a house<\/h2>\n\n\n\n<p>If you\u2019re wondering \u2018can I afford a house?\u2019, lenders will ask the same question, but they\u2019ll look at it from several angles.<\/p>\n\n\n\n<p>They typically consider:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your income (or joint income if buying together)<\/li>\n\n\n\n<li>Your regular outgoings, including credit commitments<\/li>\n\n\n\n<li>Your deposit size<\/li>\n\n\n\n<li>Your credit history<\/li>\n\n\n\n<li>How your finances might cope if interest rates rise (this is often called a \u2018stress test\u2019)<\/li>\n<\/ul>\n\n\n\n<p>This is why two people on the same salary could be offered different amounts in terms of mortgage size. You can read more about <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/how-much-can-i-borrow-with-a-mortgage\/\">how much you might able to borrow with a mortgage here<\/a>.<\/p>\n\n\n\n<p>The current rules around mortgages and borrowing amounts were put in place to help make sure that people are only able to borrow what they can comfortably afford. So, when it comes to applying for a mortgage, you\u2019ll have to go into a lot of detail about your income and spending. Ultimately, this is for your benefit, as the lender will want to supply you with the most appropriate product they can.<\/p>\n\n\n\n<h2 id=\"how-to-afford-a-house-without-stretching-your-monthly-budget\" class=\"wp-block-heading\">How to afford a house without stretching your monthly budget<\/h2>\n\n\n\n<p>Working out how to afford a house isn\u2019t just about how your finances look right now. It\u2019s about whether your budget still works if things change.<\/p>\n\n\n\n<p>A more sustainable approach often includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Leaving room for savings and emergencies<\/li>\n\n\n\n<li>Factoring in future life changes (such as children or career moves)<\/li>\n\n\n\n<li>Avoiding repayment amounts that feel tight from day one<\/li>\n<\/ul>\n\n\n\n<p>Many buyers aim for a monthly mortgage payment that still allows them to enjoy day\u2011to\u2011day life, rather than pushing their finances to the limit.<\/p>\n\n\n\n<h3 id=\"how-our-mortgage-calculator-can-help-you-plan-your-search\" class=\"wp-block-heading\">How our mortgage calculator can help you plan your search<\/h3>\n\n\n\n<p>Tools like <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/mortgage-calculator\">mortgage calculators<\/a> are designed to give you an early, practical sense of what might be affordable based on your circumstances.<\/p>\n\n\n\n<p>Rather than giving advice, they help you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Explore realistic price ranges<\/li>\n\n\n\n<li>Understand how changes to income or deposit affect affordability<\/li>\n\n\n\n<li>Plan your property search with more confidence<\/li>\n<\/ul>\n\n\n\n<p>They\u2019re especially useful before viewings, so you can focus on homes that match both your budget and your expectations.<\/p>\n\n\n\n<h2 id=\"can-i-afford-a-house-on-my-own-or-should-i-buy-with-someone-else\" class=\"wp-block-heading\">Can I afford a house on my own or should I buy with someone else?<\/h2>\n\n\n\n<p>Buying solo or jointly can make a big difference to affordability.<\/p>\n\n\n\n<p>If you\u2019re asking can I afford a house on my own, it\u2019s worth thinking about:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Whether a single income comfortably supports repayments<\/li>\n\n\n\n<li>How secure your income is long\u2011term<\/li>\n\n\n\n<li>Whether a smaller property or different location could help, if it\u2019s something that initially feels out of reach<\/li>\n<\/ul>\n\n\n\n<p>Joint buyers may be able to afford more, but sharing ownership also means shared responsibility, so it\u2019s important to plan together. Our <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/mortgage-in-principle\/v2\">Mortgage in Principle<\/a> allows you to apply for a mortgage whether you\u2019re buying a home with someone else, or on your own.<\/p>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/mortgage-in-principle\/v2\"\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=\"\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2023\/11\/Mortgage-Calculator_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=\"Powered by NatWest\">\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<h3 id=\"what-to-do-once-you-understand-how-much-you-can-afford\" class=\"wp-block-heading\">What to do once you understand how much you can afford<\/h3>\n\n\n\n<p>Once you\u2019ve worked out how much money you need for a mortgage and where your comfort zone sits, you\u2019re in a stronger position when it comes to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Narrowing down your property search<\/li>\n\n\n\n<li>Speaking to lenders or mortgage advisers with confidence<\/li>\n\n\n\n<li>Moving more quickly when the right home comes along<\/li>\n<\/ul>\n\n\n\n<h2 id=\"what-if-interest-rates-change\" class=\"wp-block-heading\">What if interest rates change?<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.rightmove.co.uk\/guides\/buyer\/mortgages-and-financing\/interest-rates\/\">Interest rates<\/a>&nbsp;change over time. If you\u2019re on a Tracker, Discount or Standard Variable Rate mortgage, you\u2019ll be expecting some variation in your monthly payments. And if you choose a fixed rate mortgage, you\u2019d generally expect a change in rate at the end of the term you\u2019ve fixed for.<\/p>\n\n\n\n<p>So, it\u2019s worth using a&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages#affordability-calculator\">mortgage calculator<\/a>&nbsp;to check what your monthly payments could be if there was an increase in interest rates.&nbsp;<\/p>\n\n\n\n<p>You can check the <a href=\"https:\/\/www.rightmove.co.uk\/news\/articles\/property-news\/current-uk-mortgage-rates\/\">current average mortgage rates<\/a> for a range of deposit sizes here.<\/p>\n\n\n\n<h3 id=\"consider-all-possibilities\" class=\"wp-block-heading\">Consider all possibilities<\/h3>\n\n\n\n<p>When you\u2019re working out what you can afford, remember that the unexpected can happen and things can go wrong. We all have different levels of comfort with our spending limits, so think through different scenarios and what you\u2019re comfortable with.&nbsp;<\/p>\n\n\n\n<p>A mortgage adviser or lender can talk through your options in the event of redundancy, serious illness, or even death.&nbsp;<\/p>\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=\"how-much-money-do-you-need-for-a-mortgage-deposit\" class=\"c-faqs__question\">How much money do you need for a mortgage deposit?<\/h3>\n            <div class=\"c-faqs__answer\">\n                <p>Deposit requirements vary by lender and mortgage type, and a larger deposit can improve the interest rate you\u2019re offered on a mortgage. While\u00a0zero\u2011deposit\u00a0mortgages\u00a0and other\u00a0<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/first-time-buyers\/first-time-buyer-mortgage-schemes\/\">first-time buyer buying schemes<\/a>\u00a0do exist, most UK lenders typically ask for a minimum deposit of 5%, with some mortgage products requiring more.<\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"can-i-afford-a-house-on-my-salary-alone\" class=\"c-faqs__question\">Can I afford a house on my salary alone?<\/h3>\n            <div class=\"c-faqs__answer\">\n                <p>That depends on your income, outgoings, credit commitments and the type of property you\u2019re considering.<\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"how-accurate-is-an-affordability-check\" class=\"c-faqs__question\">How accurate is an affordability check?<\/h3>\n            <div class=\"c-faqs__answer\">\n                <p>Affordability tools, such as <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/mortgage-calculator\">mortgage calculators<\/a>, give an estimate based on what you enter. Lenders will still carry out their own checks.<\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"how-is-affordability-different-from-how-much-i-can-borrow\" class=\"c-faqs__question\">How is affordability different from how much I can borrow?<\/h3>\n            <div class=\"c-faqs__answer\">\n                <p>Affordability looks at what you can comfortably repay each month, not just the maximum a lender might offer, or the upper limit of what you might be able to borrow.<\/p>\n            <\/div>\n        <\/li>\n    <\/ul>\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<p>Please note: 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.\u202f<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Buying a home starts with one big question: can I afford a house, and where?Before kickstarting your search for your next home, it\u2019s worth understanding how much you might need for a mortgage, what costs come first, and how lenders look at affordability. This guide explains the key factors that shape what you can afford, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2253,"parent":655,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","author_profile":[9881]},"class_list":["post-5","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":{"author_profile":["9881"]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How much mortgage can I afford? - Rightmove<\/title>\n<meta name=\"description\" content=\"There are lots of things to consider when working out how much you might be able to afford with a mortgage - we list them here.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How much mortgage can I afford? - Rightmove\" \/>\n<meta property=\"og:description\" content=\"There are lots of things to consider when working out how much you might be able to afford with a mortgage - we list them here.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/\" \/>\n<meta property=\"og:site_name\" content=\"Rightmove\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/rightmove.co.uk\/\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-29T08:32:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Buying-a-property-resized.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@rightmove\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/financing\\\/affordability\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/financing\\\/affordability\\\/\"},\"author\":[{\"@type\":\"Person\",\"name\":\"Emma Starkie\",\"url\":\"https:\\\/\\\/www.rightmove.co.uk\\\/guides\\\/author-profile\\\/emma-starkie\\\/\"}],\"headline\":\"How much mortgage can I afford?\",\"datePublished\":\"2023-11-08T22:24:29+00:00\",\"dateModified\":\"2026-05-29T08:32:08+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/financing\\\/affordability\\\/\"},\"wordCount\":1001,\"publisher\":{\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/financing\\\/affordability\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/content\\\/uploads\\\/2024\\\/05\\\/Buying-a-property-resized.jpg\",\"inLanguage\":\"en-US\"},{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/financing\\\/affordability\\\/\",\"url\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/financing\\\/affordability\\\/\",\"name\":\"How much mortgage can I afford? - Rightmove\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/financing\\\/affordability\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/financing\\\/affordability\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/content\\\/uploads\\\/2024\\\/05\\\/Buying-a-property-resized.jpg\",\"datePublished\":\"2023-11-08T22:24:29+00:00\",\"dateModified\":\"2026-05-29T08:32:08+00:00\",\"description\":\"There are lots of things to consider when working out how much you might be able to afford with a mortgage - we list them here.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/financing\\\/affordability\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/financing\\\/affordability\\\/\"]}],\"headline\":\"How much mortgage can I afford?\",\"author\":[{\"@type\":\"Person\",\"name\":\"Emma Starkie\",\"url\":\"https:\\\/\\\/www.rightmove.co.uk\\\/guides\\\/author-profile\\\/emma-starkie\\\/\"}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/financing\\\/affordability\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/content\\\/uploads\\\/2024\\\/05\\\/Buying-a-property-resized.jpg\",\"contentUrl\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/content\\\/uploads\\\/2024\\\/05\\\/Buying-a-property-resized.jpg\",\"width\":800,\"height\":500},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/financing\\\/affordability\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Understanding your finances\",\"item\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/financing\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"How much mortgage can I afford?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/#website\",\"url\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/\",\"name\":\"Mortgages\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/#organization\",\"name\":\"Rightmove\",\"url\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/content\\\/uploads\\\/2024\\\/05\\\/White_RGB-696x696-1.jpg\",\"contentUrl\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/content\\\/uploads\\\/2024\\\/05\\\/White_RGB-696x696-1.jpg\",\"width\":696,\"height\":696,\"caption\":\"Rightmove\"},\"image\":{\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/rightmove.co.uk\\\/\",\"https:\\\/\\\/x.com\\\/rightmove\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/mortgages\\\/guides\\\/#\\\/schema\\\/person\\\/824f51fd29ecd4773869280c9ddd6fd1\",\"name\":\"redwire.mathieu\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a9e3fd194b1bd29457726bf90cca309b1772e90bc964e97ca91d6ecd9d4584db?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a9e3fd194b1bd29457726bf90cca309b1772e90bc964e97ca91d6ecd9d4584db?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a9e3fd194b1bd29457726bf90cca309b1772e90bc964e97ca91d6ecd9d4584db?s=96&d=mm&r=g\",\"caption\":\"redwire.mathieu\"},\"sameAs\":[\"\\\/wp\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How much mortgage can I afford? - Rightmove","description":"There are lots of things to consider when working out how much you might be able to afford with a mortgage - we list them here.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/","og_locale":"en_US","og_type":"article","og_title":"How much mortgage can I afford? - Rightmove","og_description":"There are lots of things to consider when working out how much you might be able to afford with a mortgage - we list them here.","og_url":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/","og_site_name":"Rightmove","article_publisher":"https:\/\/www.facebook.com\/rightmove.co.uk\/","article_modified_time":"2026-05-29T08:32:08+00:00","og_image":[{"width":800,"height":500,"url":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Buying-a-property-resized.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@rightmove","twitter_misc":{"Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/#article","isPartOf":{"@id":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/"},"author":[{"@type":"Person","name":"Emma Starkie","url":"https:\/\/www.rightmove.co.uk\/guides\/author-profile\/emma-starkie\/"}],"headline":"How much mortgage can I afford?","datePublished":"2023-11-08T22:24:29+00:00","dateModified":"2026-05-29T08:32:08+00:00","mainEntityOfPage":{"@id":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/"},"wordCount":1001,"publisher":{"@id":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/#organization"},"image":{"@id":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/#primaryimage"},"thumbnailUrl":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Buying-a-property-resized.jpg","inLanguage":"en-US"},{"@type":"Article","@id":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/","url":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/","name":"How much mortgage can I afford? - Rightmove","isPartOf":{"@id":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/#primaryimage"},"image":{"@id":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/#primaryimage"},"thumbnailUrl":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Buying-a-property-resized.jpg","datePublished":"2023-11-08T22:24:29+00:00","dateModified":"2026-05-29T08:32:08+00:00","description":"There are lots of things to consider when working out how much you might be able to afford with a mortgage - we list them here.","breadcrumb":{"@id":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/"]}],"headline":"How much mortgage can I afford?","author":[{"@type":"Person","name":"Emma Starkie","url":"https:\/\/www.rightmove.co.uk\/guides\/author-profile\/emma-starkie\/"}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/#primaryimage","url":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Buying-a-property-resized.jpg","contentUrl":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Buying-a-property-resized.jpg","width":800,"height":500},{"@type":"BreadcrumbList","@id":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/"},{"@type":"ListItem","position":2,"name":"Understanding your finances","item":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/"},{"@type":"ListItem","position":3,"name":"How much mortgage can I afford?"}]},{"@type":"WebSite","@id":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/#website","url":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/","name":"Mortgages","description":"","publisher":{"@id":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/#organization","name":"Rightmove","url":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/#\/schema\/logo\/image\/","url":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/White_RGB-696x696-1.jpg","contentUrl":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/White_RGB-696x696-1.jpg","width":696,"height":696,"caption":"Rightmove"},"image":{"@id":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/rightmove.co.uk\/","https:\/\/x.com\/rightmove"]},{"@type":"Person","@id":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/#\/schema\/person\/824f51fd29ecd4773869280c9ddd6fd1","name":"redwire.mathieu","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/a9e3fd194b1bd29457726bf90cca309b1772e90bc964e97ca91d6ecd9d4584db?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a9e3fd194b1bd29457726bf90cca309b1772e90bc964e97ca91d6ecd9d4584db?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a9e3fd194b1bd29457726bf90cca309b1772e90bc964e97ca91d6ecd9d4584db?s=96&d=mm&r=g","caption":"redwire.mathieu"},"sameAs":["\/wp"]}]}},"article_image_url":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Buying-a-property-resized.jpg","_links":{"self":[{"href":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/wp-json\/wp\/v2\/pages\/5","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/wp-json\/wp\/v2\/comments?post=5"}],"version-history":[{"count":47,"href":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/wp-json\/wp\/v2\/pages\/5\/revisions"}],"predecessor-version":[{"id":3929,"href":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/wp-json\/wp\/v2\/pages\/5\/revisions\/3929"}],"up":[{"embeddable":true,"href":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/wp-json\/wp\/v2\/pages\/655"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/wp-json\/wp\/v2\/media\/2253"}],"wp:attachment":[{"href":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/wp-json\/wp\/v2\/media?parent=5"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}