How Much Can I Borrow on a £70,000 Salary?
On a £70,000 salary, UK mortgage lenders typically offer between £314,300 and £420,000. That is a £105,700 gap — among the widest of any salary band. As a higher-rate taxpayer, professional and enhanced-multiple products are well worth exploring before you fix your budget.
What Real Lenders Offer on a £70,000 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 |
|---|---|
| Cumberland BS | £420,000 |
| Bath BS | £420,000 |
| Darlington BS | £420,000 |
| Aldermore | £385,000 |
| Skipton BS | £385,000 |
| Nottingham BS | £385,000 |
| Accord Mortgages | £385,000 |
| NatWest | £350,000 |
| Santander | £350,000 |
| HSBC | £350,000 |
| Halifax | £350,000 |
| Barclays | £350,000 |
| Coventry BS | £314,300 |
| TSB | £314,300 |
| Nationwide | £314,300 |
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?
At £70k a sizeable bonus or commission element is common. A £15,000 bonus assessed at 50% lifts your income to £77,500 — adding £34,000 to £45,000 to your borrowing. Some lenders count regular overtime at 100%, and several will consider car allowances and guaranteed shift pay. With variable pay forming a larger share at this level, picking a lender that recognises it fully is one of the highest-impact decisions you can make.
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 towards the top of the range. Use our calculator to check your exact figure with your specific deposit.
A £70k salary with the right lender and a solid deposit reaches substantial detached homes across most of the country and good family houses in the commuter belt. In prime central London you are still likely to be in flat or maisonette territory as a sole applicant.
What Reduces Your Borrowing?
Monthly financial commitments reduce the amount lenders will offer:
- Credit cards — a combined credit limit of £15,000 counts as roughly £450/month in the affordability model, reducing your mortgage by £26,000 to £36,000.
- Car finance — a £500/month payment could reduce your maximum mortgage by £28,000 to £38,000.
- Student loans — Plan 2 repayments on £70k are around £373/month. Some lenders treat this more favourably than others.
Buying with a Partner
Two applicants on £70k each gives a combined income of £140,000, potentially unlocking borrowing of £560,000 to £875,000. That covers the majority of the London and South East market and puts large family homes within reach elsewhere. High-earner and professional products offering 5.5× to 6.25× on joint incomes are particularly powerful at this level.
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