On The Ladder Ep.6 | How Much Can I Borrow For A Mortgage?

You've saved your deposit, you've checked your credit score, now the big question: how much can you actually borrow? In this episode of On The Ladder, we break down exactly how mortgage lenders calculate what they'll offer you. Spoiler: it's not just about your salary. From income and outgoings to credit history, deposit size and even your day-to-day spending habits, we walk you through everything that goes into a lender's affordability assessment, including whether your side hustle or benefit payments count as income. If you want to know where you really stand before you apply, this episode is your starting point. About the series On The Ladder is your step-by-step guide to buying your first home, created by Sarah Tucker.