See how much different lenders could offer — not just one number.
Estimated borrowing range
£0–£0
Property price range: £0 – £0
CautiousStandardEnhanced / specialist
By lender tier
Tier
Max borrowing
+ deposit = max price
Lenders don't all use the same formula. More cautious lenders will lend around 4.5× combined income, while most standard high-street lenders sit in the 5×–5.5× range, depending on your credit profile, outgoings, and the lender's own risk appetite. A smaller group of enhanced and specialist lenders will stretch to 6× for certain professions, circumstances, or higher earners.
This is exactly why going direct to a single bank can undersell your borrowing power — a broker can compare across the whole market and place your application with the lender whose criteria actually fits you, rather than the one you happened to walk into.
This is an illustrative guide only, not a mortgage offer or affordability assessment. Actual borrowing amounts depend on credit history, employment status, outgoings, and each lender's full underwriting criteria — speak to an mbnm adviser for an accurate picture.
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