Mortgage lenders generally offer around 4.5x your annual salary for a mortgage. So, for example, if you earn £30,000 per year, you should be able to borrow £135,000, 4.5x your wages. Some lenders may offer deals based on 5x your salary. If you are a couple buying a home, or you are buying with someone else, you can combine your salaries so you can borrow more money. That means that if you earn a combined £60,000, you should be able to borrow £270,000. If you have a larger deposit, you may not need to borrow the maximum amount, meaning you can get lower mortgage rates. Remember that lenders carry out stringent checks to ensure you earn as much as you say you do. If you are self-employed, you will need to provide extensive evidence of your salary over the past two or three years.