Mortgage Income Ladder

Work out the income you need to show for a given house price, deposit and income multiple, and what the UK taxman takes from it.

Income type
£
£
%
Loan to value 0%Borrowing £0

Most lenders sit around 4 to 4.5x. Some go to 5.5x or more, subject to affordability checks.

Term does not change the income needed. It changes the monthly repayment.

Income to show in the previous 12 months

£0a year

£0per month, before tax
£0take-home a year
£0take-home a month

UK tax on that income, 2026/27

Monthly repayment £0
Total over the term £0

The ladder

Same house, same deposit, different income multiples. Your current setting is highlighted.

A 23-second look

Default settings: £350,000 house, £70,000 down, 4.5x, 25 years, 5.5% placeholder rate.