What You Need to Earn to Buy in FY4

The median home in FY4 sold for £132,500. To buy at that price you'd typically need a household income of about £25,000 — based on a 15% deposit and a 4.5× income multiple. Prices are not enough recent sales to show a trend.

Deposit needed to buy in FY4

Deposit %	Deposit £	Mortgage needed
5%	£6,625	£125,875
10%	£13,250	£119,250
15%	£19,875	£112,625
25%	£33,125	£99,375

A typical mortgage on the £132,500 median (85% LTV, 4.5% over 25 years) costs around £626/month. Based on 821 Land Registry sales.

Common questions about buying in FY4

What salary do you need to buy a house in FY4?

The median home in FY4 sold for £132,500. With a 15% deposit and a typical 4.5× income multiple, you'd need a household income of about £25,000 to buy at that price. Higher-multiple lenders can reduce the income required — check your own figure with the affordability calculator.

How much is a typical mortgage payment in FY4?

Borrowing £112,625 (85% of the £132,500 median) at 4.5% over 25 years works out at roughly £626 a month on a repayment basis.

How much deposit do you need to buy in FY4?

On the £132,500 median price, a 5% deposit is £6,625 and a 10% deposit is £13,250. A larger deposit usually unlocks lower rates.

Are house prices in FY4 rising or falling?

Based on the latest Land Registry sold prices, prices in FY4 are not enough recent sales to show a trend, across 821 recorded sales.

Can you afford to buy in FY4?

Check exactly how much 60+ UK lenders would lend you — with your income. No credit search.

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