{"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":"2026-02-24T09:26:27","modified_gmt":"2026-02-24T09:26:27","slug":"affordability","status":"publish","type":"page","link":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/","title":{"rendered":"Buying a property: working out what you can 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-can-I-borrow\" target=\"\" class=\"text-decoration-none c-link\">How much can I borrow?<\/a><\/li>\n<li><a href=\"#affordable-mortgage\" target=\"\" class=\"text-decoration-none c-link\">Helping you get an affordable mortgage<\/a><\/li><\/ul>            <\/div>\n            <div class=\"col-12 col-md-6\">\n                <ul class=\"list-unstyled mb-0\"><li><a href=\"#monthly-repayments\" target=\"\" class=\"text-decoration-none c-link\">How much will I have to repay per month?<\/a><\/li>\n<li><a href=\"#interest-rates\" target=\"\" class=\"text-decoration-none c-link\">What if interest rates change?<\/a><\/li><\/ul>            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<p class=\"has-subtitle-font-size\">Buying a property is a big step involving a substantial long-term financial commitment, so think hard about what you can afford. You will need to consider the assets you have \u2013 like savings, which you might be able to use for your deposit \u2013 as well as the money that\u2019s coming in and going out.<\/p>\n\n\n\n<p>You don\u2019t want to commit to a mortgage and then realise you can\u2019t afford some of the nicer things in life. It may sound obvious but take the time to make a note of all the things you spend money on throughout the year, even without a mortgage. This will help you to stay well within your means and less likely to overstretch your finances.<\/p>\n\n\n\n<p>If you\u2019re a first-time buyer, your assets will be savings, investments and anything else you can turn into cash quickly. If you own the house you\u2019re currently living in, that too will be an asset, even if you haven\u2019t paid it off fully.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-much-can-I-borrow\">How much might I be able to borrow with a mortgage?<\/h2>\n\n\n\n<p>Every lender has different ways of calculating how much they will lend to you, or even whether they will lend to you at all. It includes criteria such as your income, the size of your deposit, your regular expenditure, and your credit rating. These will be considered for both of you if you\u2019re making a joint application.<\/p>\n\n\n\n<p>But you can start by getting a rough idea of how much you could borrow by using our&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/mortgage-calculator\">Mortgage Calculator<\/a>.<\/p>\n\n\n\n<p>Actual loan amounts and affordability criteria will differ across lenders. Make sure you obtain accurate figures from your lender before committing to any mortgage. Your home may be repossessed if you do not keep up repayments on a mortgage.<\/p>\n\n\n<div class=\"c-related my-4\" id=\"\">\n    <h2 id=\"related-guides-and-news\" class=\"c-related__title\">Related guides and news<\/h2>\n    <div class=\"row gy-4\">\n                    <div class=\"col-12 col-lg-6\">\n                <div class=\"c-related__item\">\n                    <div class=\"c-related__item-title\">\n                        How much can I borrow with a mortgage                    <\/div>\n                    <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-much-can-i-borrow-with-a-mortgage\/\" target=\"\" class=\"c-related__cta\">Read now<svg class=\"c-icon c-icon--chevron-line-right\"><use xlink:href=\"#icon-chevron-line-right\"><\/use><\/svg><\/a>                <\/div>\n            <\/div>\n                        <div class=\"col-12 col-lg-6\">\n                <div class=\"c-related__item\">\n                    <div class=\"c-related__item-title\">\n                        Getting a Mortgage in Principle                    <\/div>\n                    <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/mortgage-in-principle\/\" target=\"\" class=\"c-related__cta\">Read now<svg class=\"c-icon c-icon--chevron-line-right\"><use xlink:href=\"#icon-chevron-line-right\"><\/use><\/svg><\/a>                <\/div>\n            <\/div>\n                <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"affordable-mortgage\">Helping you get an affordable mortgage<\/h2>\n\n\n\n<p>The current rules around mortgages were put in place to help make sure that customers only 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<h3 id=\"consider-other-home-buying-costs-too\" class=\"wp-block-heading\">Consider other home-buying costs, too<\/h3>\n\n\n\n<p>Remember, when you\u2019re working out what you can afford, there are other expenses you\u2019ll need to consider, besides the cost of the mortgage itself.<\/p>\n\n\n\n<p>For example, when you get a mortgage, the lender will require you to take out buildings insurance to cover the property. Depending on its value, you might also have to pay&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/stamp-duty-calculator\/\">Stamp Duty Land Tax<\/a>, which is a government tax payable on property or land above a certain price threshold in England and Northern Ireland. You can use our&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/stamp-duty-calculator\/\">stamp duty calculator<\/a>&nbsp;to work out how much your stamp duty might be.<\/p>\n\n\n\n<p>If you\u2019re buying property or land in Scotland or Wales, there are\u202fsimilar taxes\u202fthat you might have to pay. Different rates apply for different property prices, so it\u2019s worth looking into well in advance.<\/p>\n\n\n\n<p>There are other things to consider too, such as the cost of moving from your current home, estate agency fees, solicitor\u2019s fees, potentially paying for a surveyor, and charges associated with getting a mortgage, such as arrangement and mortgage adviser fees.<\/p>\n\n\n\n<p>It\u2019s a good idea to take these costs into account early on, since they could impact what you ultimately decide to borrow.<\/p>\n\n\n\n<h3 id=\"want-a-more-accurate-estimate\" class=\"wp-block-heading\">Want a more accurate estimate?<\/h3>\n\n\n\n<p>You can speak to a lender or mortgage adviser. They can take a look at your situation and go through what you might be able to borrow. You could also&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/mortgage-in-principle\">apply for a Mortgage in Principle<\/a>\u202fwhich outlines the size of mortgage you could get.<\/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--slim c-calculator-module--layout-1 c-calculator-module--light c-calculator-module--no-content\" \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\/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 class=\"c-calculator-module__title__icon\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2023\/11\/Mortgage-Calculator_Small.svg);\"><\/span><span>Get a Mortgage in Principle<\/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<h3 id=\"are-you-self-employed\" class=\"wp-block-heading\">Are you self-employed?<\/h3>\n\n\n\n<p>There are often more questions lenders like to ask if you\u2019re self-employed. So, you might like to speak to a mortgage adviser or lender to get an indication of what you could borrow, and how much the repayments might be.<\/p>\n\n\n\n<h3 id=\"investing-in-a-buy-to-let-property\" class=\"wp-block-heading\">Investing in a buy-to-let property?<\/h3>\n\n\n\n<p>Again, there are a few different things to consider, so speaking to a mortgage adviser or a lender might be a good way of getting an accurate estimate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"monthly-repayments\">How much will I have to repay per month?<\/h2>\n\n\n\n<p>The total sum of what you can borrow isn\u2019t the only factor to consider. You should also be aware of how much your mortgage might cost you every month \u2013 so you can be sure you can comfortably afford it.&nbsp;<\/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=\"\">\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        \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 class=\"wp-block-heading\" id=\"interest-rates\">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 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. 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<h2 id=\"consider-all-possibilities\" class=\"wp-block-heading\">Consider all possibilities<\/h2>\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<div class=\"c-section c-section--primary-lighter my-4 c-section--has-icon\" id=\"\">\n    <h2 class=\"c-section__title\">\n        To summarise<div class=\"c-section__title__icon\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2023\/11\/contents.png);\"><\/div>    <\/h2>\n    <div class=\"c-section__content\">\n        <ul>\n<li><strong>Lenders&#8217; assessments:<\/strong> Every lender has different ways of calculating how much they will lend to you, including assessing your income, the size of your deposit, your regular expenditure, and your credit rating.<\/li>\n<li><strong>Other costs to consider:<\/strong> Remember, when you\u2019re working out what you can afford, there are other expenses you\u2019ll need to consider, besides the cost of the mortgage itself, such as <a href=\"https:\/\/www.rightmove.co.uk\/stamp-duty-calculator\">Stamp Duty Land Tax,<\/a> or the equivalent taxes in Wales and Scotland.<\/li>\n<li><strong>Mortgage in Principle:<\/strong> You can <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/mortgage-in-principle\">apply for a Mortgage in Principle<\/a>\u202fwhich outlines the size of mortgage you could get.<\/li>\n<li><a href=\"https:\/\/www.rightmove.co.uk\/guides\/buyer\/mortgages-and-financing\/interest-rates\/\"><strong>Interest rates <\/strong><\/a>change over time. If you\u2019re on a Tracker, Discount or Standard Variable Rate mortgage, you can expect some variation in your 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.<\/li>\n<li><strong>Mortgage calculator:<\/strong> It\u2019s worth using a <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/mortgage-calculator\">Mortgage Calculator<\/a>\u00a0to check what your monthly payments could be if there was an increase in interest rates.<\/li>\n<\/ul>\n    <\/div>\n<\/div>\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 property is a big step involving a substantial long-term financial commitment, so think hard about what you can afford. You will need to consider the assets you have \u2013 like savings, which you might be able to use for your deposit \u2013 as well as the money that\u2019s coming in and going out. [&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":""},"class_list":["post-5","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":{"author_profile":[]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Buying a property: working out what you can 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\" 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