How Much Can I Borrow on a £30,000 Salary?
On a £30,000 salary, UK mortgage lenders typically offer between £134,100 and £180,000. That £45,900 gap means finding the right lender could put an entirely different type of property within your reach. For first-time buyers earning £30k, much of the UK is accessible with the right deposit.
What Real Lenders Offer on a £30,000 Salary
We checked each lender's affordability calculator for a single employed applicant on a 25-year repayment term with no additional debts. Here are the top 15 recognisable lenders, sorted from highest to lowest.
| Lender | Max Borrowing |
|---|---|
| Darlington BS | £180,000 |
| Accord Mortgages | £165,000 |
| Bath BS | £150,000 |
| Coventry BS | £134,700 |
| Aldermore | £134,700 |
| Cumberland BS | £134,700 |
| TSB | £134,700 |
| Nottingham BS | £134,700 |
| Nationwide | £134,700 |
| HSBC | £134,700 |
| Halifax | £134,700 |
| Barclays | £134,700 |
| Leeds BS | £134,700 |
| Skipton BS | £134,500 |
| Virgin Money | £134,100 |
Based on each lender's affordability calculator, April 2026. Single employed applicant, 25-year repayment term, no additional debts. Figures are for illustration only — your actual offer depends on your full circumstances.
What If You Have Overtime or Bonuses?
Regular overtime or bonuses on top of £30k can meaningfully increase your borrowing. If you earn £4,000 in annual overtime, a lender accepting 100% of that would treat you as earning £34,000, adding up to £22,000 to your maximum mortgage. Bonuses are treated more cautiously, typically 25% to 60%, but still worth declaring.
What Could You Buy?
A larger deposit can unlock higher income multiples at some lenders. At 25% deposit, several lenders in the table above would offer even more. Use our calculator to check your exact figure with your specific deposit.
At £30k, the combination of a generous lender and even a modest deposit puts two- and three-bedroom properties within reach across much of the Midlands, North, and other regions. First-time buyer stamp duty is 0% up to £300,000 and 5% on the portion between £300,001 and £500,000, so at this salary level you will typically pay no stamp duty at all.
What Reduces Your Borrowing?
Existing debts chip away at your borrowing capacity:
- Credit card balances — lenders use 3% of the limit as a notional monthly payment, regardless of whether you carry a balance.
- Car finance — a £250/month PCP deal could cut your mortgage by £12,000 to £18,000.
- Student loans — on £30k you are now above the Plan 2 repayment threshold, so lenders will factor in the monthly deduction.
Buying with a Partner
Two applicants on £30k each gives a joint income of £60,000, potentially unlocking borrowing of £240,000 to £360,000. This opens up three-bedroom houses in many parts of the country and makes London and the South East more realistic for flats and smaller homes.
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