So we have already learnt that in most cases, a mortgage lender will give you around 4 times your annual salary. So, if you were looking to get a mortgage with a £10,000 deposit it would need to be at least 5% of the value of the property you are hoping to buy. This means that the overall value of the home would have to be a maximum of £200,000. Don’t forget that you would also need to suit the affordability of the mortgage. The individual or couple would need to have an overall combined annual salary of at least £47,500.