How much can you borrow on a £75,000 salary?
On an income of £75,000, mainstream UK lenders typically offer somewhere between £300,000 and £337,500. Your real figure depends on your deposit, credit and commitments.
Typical lower
£300,000
Typical higher
£337,500
Example target price
£375,000
Most lenders work to an income multiple of around 4 to 4.5 times your salary. On £75,000 that points to roughly £300,000 to £337,500 of borrowing. Some lenders go higher for strong profiles, and some lower if your commitments are high, so treat this as a starting point rather than a promise.
To buy a home around £375,000 with a 10 percent deposit, you would aim for about £37,500 saved. A larger deposit usually unlocks better rates and more lender options, which is why your deposit is the single biggest driver of your Mortgage Ready Score.
What actually decides your figure
- Your deposit size against the property price.
- Monthly commitments such as loans, cards and car finance.
- Your credit history and how you manage existing accounts.
- Employment type and how long you have been in your role.
The fastest way to see where you stand on £75,000 is to get your Mortgage Ready Score. It turns your income, deposit and credit into a single number, a deposit gap and a timeline, with the exact next moves to improve.
Other salaries
Mortgage Ready Score provides educational guidance and financial preparation, not regulated mortgage advice. Final lending decisions are made by lenders.