Back | How it Works

Securing an excellent mortgage offer with Revolution Finance Brokers couldn't be easier

1Get in Touch

Complete a quick form to give us an overview of your mortgage or financing requirements, and we'll provide recommendations about the best opportunities for you.

2Submit Your Application

Once you've chosen your preferred mortgage deal, we'll steer you through the paperwork with comprehensive application management from start to finish.

3Mortgage Completion

Revolution Finance Brokers will finalise the details and enable you to move forward without delay!

Get Started

Back | About

About

Back | Insurance

Business Protection Insurance

Life Insurance

Building Insurance

Home Insurance

Mortgage Repayment Protection

Family Income Benefit

Critical Illness Cover

Back | Calculators

Commercial Stamp Duty

How Much Can I Borrow?

Buy To Let

Bridging Loan

Residential & Commercial Bridging

Mortgage Repayment

Development Finance

Commercial Mortgage

Back | Your Mortgage Position

Your Mortgage Position

Bad Credit

Bridging

Buy to Let

Development Finance

Self Employed

Mortgage for professionals

Lifetime Mortgages

Expat mortgages

Interest Only

Mortgage Affordability

Mortgage Application

Income Types

Residential Mortgages

Commercial Mortgages

Property Types

Remortgages

First Time Buyers

Mortgage Declined

Offset Mortgage

Other

Back|Bad Credit

Bad Credit Mortgages

Mortgage for Applicants with Bad Credit

Mortgage with Defaults on Your Credit

Buy to Let Mortgage With Bad Credit

Finding a Mortgage with Poor Credit

Mortgage Interest Rates with Bad Credit

Mortgage After Repossession

Getting a Mortgage After Payday Loans

Avoiding Repossession

Subprime Mortgages

Mortgage with a CCJ

Mortgage with Credit Card Debts

Adverse Credit Mortgage Online

Self-Employed Mortgage with Bad Credit

Shared Ownership Mortgage with Adverse Credit

Right to Buy as a Bad Credit Applicant

Commercial Mortgages for Bad Credit Borrowers

Deposit Requirements for Bad Credit Mortgages

Finding a Mortgage Offer After Rental Arrears

How Can I Repair my Credit Score to Get a Mortgage?

How Does the Help to Buy Scheme Work for Bad Credit Applicants?

How to Decipher Your UK Credit Reports

How to Secure a Bad Credit Buy to Let Mortgage

Is it Possible to Find a Mortgage After Bankruptcy?

How to Qualify for a Mortgage with Zero Credit Score

Joint Mortgage Applicant Has Bad Credit

Are There Mortgage Options After a Debt Management Plan?

Are There Mortgage Options After a Debt Relief Order?

Back|Bridging

Bridging Finances

Auction Finance

Fast Bridging Finance

Low-Cost Bridging Loans

Bridging Loans Guide

Bridging Loans for Residential Homes

Bridging Loan at 100% Loan to Value?

Commercial Bridging Finance

Bridging Loan with Adverse Credit

Fast Bridging Finance

Financing a Property Purchase at Auction

Finding Regional UK Bridging Loans

Financing an Auction Property Purchase

Bridging Finance for Land Developments

Long & Short Term Bridging Finance

Bridging Finance on Rental Investments

UK Bridge to Let Mortgage Borrowing

Using Bridging Finance for Development Projects

Back|Buy to Let

Buy to lets

Buy To Let Mortgages for Expats

Buy To Let Refurbishment Mortgages

Buy to Let Interest-Only Mortgages

Changing Your Mortgage to Buy to Let

Mortgages for Buy to Sell Investments

Company Mortgages for SPVs

Stamp Duty for Buy to Let

HMO Finance

LTD Company Property Finance

Holiday Let Mortgages

Holiday Let Mortgages 80 LTV

Repayment Mortgage for Buy to Let

Buy To Let Mortgages For New Builds

Buy to Let Mortgages Guide for Investors

Buy To Let Mortgage With Poor Credit

Let to Buy

BTL UK Portfolio Mortgages

Portfolio Landlord Mortgages

Property Refurbishment Finance

Best Buy to Let Mortgages: 75% LTV

Buy to let 80% LTV Mortgages

Buy to Let Remortgage

Securing BTL Mortgage Quotes & BTL Agreement

Buy to Let Mortgages for First Time Buyers

Buy To Let Mortgages For Retiree Landlords

Back|Development Finance

Development Finance

Development Finance Explained

Guide to Construction Finance

Development Exit Finance

Why Location Matters in Development Finance Applications

Development Finance for Residential Properties

Finance a Property Development with No Deposit

Development Finance Applications

Development Finance ROI

Checklist of Considerations before you Develop Your First Propertyce

Development Finance FAQs

Lender Criteria for Development Finance

Back|Self Employed

Self Employed Mortgages

Company Director Mortgages

Mortgages for LLPs

BTL Mortgage If You Are Self Employed

Self-Employed Mortgage After 2 Yrs Accounts

Mortgages For Newly Self Employed

Mortgage for Partnerships & Sole Traders

Mortgages for Self-Employed Accountants

Back|Mortgage for Professionals

Mortgages for UK Professionals

Foster Carer Mortgages

Mortgages For Armed Personnel

Mortgages for Doctors

Mortgages for Graduates

Mortgage for Teachers

Mortgages for Solicitors, Barristers & Lawyers

Mortgages For Social Workers

Back|Lifetime Mortgages

Lifetime Mortgages

Equity Release With & Without Mortgage

Equity Release with a Mortgage

Interest-Only Equity Release Mortgages

Home Reversion in Equity Release Financing

Analysing Equity Release Product Safety

Equity Release as a Retirement Strategy

Repaying an Equity Release Mortgage Early

Back|Expat Mortgage

Expat Mortgages for UK Nationals

Expat Remortgages for UK Nationals

Finding a UK Mortgage Broker as an Expat

Buy To Let Mortgages for UK Expats

Mortgage Calculator Guide for Expats

Back|Interest Only

Interest Only Mortgages

Switching Your Mortgage to Interest-Only

Part Repayment & Interest-Only Mortgages

Repayment vs Interest-Only Mortgages

Interest-Only Mortgage for First-Time Buyers

Secured Interest-Only Home Loans

Interest-Only Retirement Mortgages

Interest-Only Lifetime Mortgages

Repayment Vehicles for Interest Only Mortgages

Back|Mortgage Affordability

Mortgage on 5.5 x Salary

Mortgage on a Single Income

Mortgage with an Overdraft

Mortgages on 4 - 4.5 x Salary

Mortgage based on Salary

Mortgage on a Single Income

Requirements for a £350,000 Mortgage

Mortgages at 6 x Income

Affordability Check for a Mortgage Application

How Do Mortgage Affordability Checks Work?

Back|Mortgage Application

Mortgages for Individuals

Friends or Family Members

VISA Mortgages

Foreign National Mortgage

Multiple Applicant Mortgages

Single Parent Mortgage

Mortgage Application Process

Mortgage Agreement in Principle

Joint Applicant, Sole Proprietor Mortgages

Single Parent Mortgage

Joint Mortgage Applications

Rejected Mortgage Application

Back|Income Types

Mortgage with Non-Mainstream Income

Mortgage on a Temporary Work Contract

Mortgage on a Zero Hours Contract

Mortgages for Part-Time Workers

Mortgage Applications Based on Pension Income

Mortgage Options for Gambling Income

Mortgages for Freelancers & Self-employed

Mortgages for Contractors with Variable Income

Mortgages for Agency Staff Employed Through an Umbrella Company

Back|Residential Mortgages

Residential Finance

Moving Home

Consumer Buy to Let Mortgages

Specialist Mortgages

Second Charge Mortgage Brokers

Offset Mortgages

Shared Ownership Mortgages

Self-Build Mortgages

Regional First-Time Buyer Mortgages

Interest Only Mortgages

Tier 2 Visas Mortgages

Mortgages at 95% Loan to Value

Back|Commercial Mortgages

Commercial Property Finances

Commercial Mortgages

Property Investment Finance

Commercial Remortgages

Semi Commercial Mortgage

Interest Only Commercial Mortgages

Mortgages For Flats Above Shops

Mortgaging Land Purchases

Portfolio Landlord Mortgages

Mortgages with Bad Credit

Mortgages for Land Investments

Mortgages for Pub Businesses

Large Commercial Mortgage

Bridging Loans for Commercial Mortgages

Mortgages for Large Investments

Commercial Mortgages for B&Bs

Mortgages for Dental Practices

Mortgages for Pharmacies

Remortgaging Commercial Property

Care Home Commercial Mortgages

Second Charge Mortgages

Business Through Mortgage Lending

Deposits on Commercial Mortgages

Hotel Mortgages

Affordability Criteria in Commercial Mortgages

Pros & Cons of Commercial Mortgages

Buy to Let Mortgages for Businesses

Mortgage Terms on Commercial Lending

Asset Finance & Working Capital

Unsecured Business Loans

Business Expansion Finance

Invoice Finance

Partnership Buyout Finance

Hire Purchase

Lease Purchase

Back|Property Types

Mortgage Rates on New Constructions

Timber Framed House Mortgages

Home with Identified Asbestos

Mortgage on a Maisonette

Property with a Deed of Covenant

Mortgages on Non-Standard Developments

Mortgages on Single Brick Properties

Eco-Friendly Home Mortgages

Ex-Local Authority Flat

Flying Freehold Mortgage

Thatched Roof Property

Flat Mortgages for High Rises

Studio Flat Mortgage

Mortgage on a Home with a Flat Roof

Mortgage Survey Undervalues Your Property

Properties in Flood Risk Areas

Mortgage Lending on Homes with Annexes

Steel Framed House Mortgages

Mortgages for Concrete Properties

Mortgages for Leasehold Properties

Mortgaging a Cottage Property

Mortgage for below Market Value

Repossession Property Purchase

Planning Permission for British Properties

Mortgage on a Home Adjacent to Commercial Properties

Back|Remortgages

Back|Mortgage Declined

How To Deal With Having A Mortgage Declined On Affordability

Finding a Solution When You Have Had a Mortgage Declined Post-Valuation

Help for Homebuyers Who Have Had a Mortgage Declined After Agreement in Principle

Tips and Advice on Proceeding If You Get Declined for a Mortgage After Exchanging Contracts

What to Do if You Have Had a Mortgage Application Declined

Back|First Time Buyers

First Time Buyers

Deposit Requirements

First Time Buyer Guarantor Mortgages

Applying for a First-Time Buyer Mortgage

Finding a First Time Buyer Mortgage With a 5% Deposit

First-Time Buyer Stamp Duty and Mortgage Costs

Back|Offset Mortgages

UK Offset Mortgages

What is a Flexible Mortgage - And Who is It Best Suited To?

Offset Mortgages Rated - Pros and Cons

Average Rates on UK Offset Mortgages

What Are Cashback Mortgages - and How Do They Work?

How To Find the Lowest Fixed Rates on Offset Mortgages

Is a UK Current Account Mortgage Right For You?

Guide to Offset Mortgage Online Calculators

How Family Offset Mortgages Work

Mortgage Reserves - How an Offset Works

Back|Other Mortgages

Second Charge Mortgages Brokers

Applying for a Mortgage With a New Job

Mortgages for Uninhabitable Property Purchases

Can I Mortgage a Contaminated Land Investment?

Can I Mortgage a Listed Grade Two Property?

Can I Get a Mortgage While on Maternity Leave from Work?

How Does a Public Footpath Impact My Mortgage Chances?

How Many Mortgage Products Can I Have Simultaneously?

What Deposit Sources are Acceptable in the UK?

What Sort of Homeowner Loan Am I Eligible For?

Complete Guide to the UK Mortgage Process

How Can a Broker Improve My Mortgage Eligibility Assessment?

Mortgages on 4 - 4.5 x Salary

Mortgage lenders typically offer a multiple of your annual salary - based on your average yearly earnings. This guide looks at the best options to find a competitive mortgage deal based on four to 4.5 times your combined annual income.

Let’s Get Started Ask a question

Discover What Our Customers

Have to Say!

Almas Uddin

Founder and Mortgage Advisor

2023-05-09

Mortgages on 4 - 4.5 x Salary

Working out what you can borrow on a mortgage can be complicated, with different lenders all having different criteria and income multiple calculations to work out what they can lend.

Much depends on your circumstances, and which lender you apply to.

Here we'll summarise the main qualification criteria for a four to 4.5 times salary mortgage and the eligibility factors a lender will assess.

For more information, get in touch on 0330 304 3040, or email us at [email protected].

How Do I Know if I Can Borrow a Mortgage at Four to 4.5 Times my Income?

Caps of four or 4.5 times annual income is relatively standard - although some lenders will offer up to three or four times your salary as a maximum.

Your eligibility will depend on your circumstances, and how closely you meet the lender's criteria. To get a mortgage at a higher multiple, you will usually need to meet all of, or most of, the other factors.

Already Interested, Let’s Get Started!

The following

topics are

covered below

How Do UK Lenders Calculate the Maximum Mortgage Value?

What Mortgage Can I Afford?

What Deposit is Required for a 4 - 4.5 Times Mortgage?

Can I Borrow 4-4.5 Times My Income on a Single Applicant Mortgage?

Which UK Lenders Offer the Best 4.5 Times Salary Mortgage Deals?

What Mortgage Can I Get Based on a Four Times Joint Income Application?

Are There Help to Buy Mortgages on 4-4.5 Times Salary?

What are the Eligibility Criteria for a Mortgage at Four to 4.5 Times My Income?

Can I Borrow More Than Four Times My Salary on a Mortgage?

Professional Mortgage Affordability Advice

Show less

Why Revolution Brokers?

Whole of market brokers

Mortgage that suits you

On time customer support

How Do UK Lenders Calculate the Maximum Mortgage Value?

The basic calculation is to take your salary and multiply it by four or 4.5 times to arrive at a maximum mortgage.

However, your income is just one factor, and lenders will also need to look at the Loan to Value ratio and other circumstances such as your credit score.

What Mortgage Can I Afford?

The first step to calculating affordability is to look at your income and outgoings, other debts and your credit file.

Lenders will need to assess your spending and income, including debt repayments, bills and general costs, and look at whether you have dependents and need to provide cover for expenses such as childcare or school.

This process is all about affordability, as a lender needs to know you can afford the repayments - including a stress test to make sure you'll be able to keep up with the mortgage even if circumstances change.

To calculate what mortgage you can afford, give the team a call on 0330 304 3040 and we'll help you work out what sort of lending to apply for.

What Deposit is Required for a 4 - 4.5 Times Mortgage?

If you need to borrow a higher multiple of four or more times your salary, you'll need a higher deposit than for a lower multiple mortgage of, say, three times income.

Most UK mortgage lenders need a 10% deposit as a minimum, although others can accept 5%.

The exact deposit required depends on the property costs, and what sort of home it is - get in touch for a more accurate assessment of the ideal deposit value.

Can I Borrow 4-4.5 Times My Income on a Single Applicant Mortgage?

Yes, you can get a mortgage of four to 4.5 times your income as a single applicant. For example, if you earn £28,000 a year and meet the other criteria, you might be offered a mortgage up to £126,000.

The key is to apply to the right lender, whose eligibility criteria you can meet.

Which UK Lenders Offer the Best 4.5 Times Salary Mortgage Deals?

New mortgage products come on to the market all the time, as well as different rates and offers - so the only way to be sure you're getting the most competitive deal is to consult an independent, whole-of-market broker.

What Mortgage Can I Get Based on a Four Times Joint Income Application?

Joint mortgages are usually available at a higher limit, given that you are combining two salaries for the affordability calculation.

You'll need to be aware that if one of you loses a job, the other person will still need to be able to keep up with the repayments.

Are There Help to Buy Mortgages on 4-4.5 Times Salary?

Help to Buy is available for mortgages to a maximum of 4.5 times your salary, so yes you can apply for a mortgage at this level of affordability.

What are the Eligibility Criteria for a Mortgage at Four to 4.5 Times My Income?

Lenders primarily look at your income, outgoings and deposit, but will also consider other eligibility criteria before offering to lend:

Credit score - the clearer your credit file, the higher an income multiple your lender will be able to offer.
Your age - retired applicants may be offered a smaller income multiple - and some lenders cap mortgages at age 75 or 85.
Property type - non-standard properties are usually best mortgages through a specialist lender, as a mainstream bank will struggle to offer a generous salary multiple on an unusual home.

Can I Borrow More Than Four Times My Salary on a Mortgage?

Most mortgages at higher multiples of four or 4.5 times salary are aimed at professionals, such as newly qualified accountants or solicitors.

However, you might find that a three times salary mortgage is sufficient, or may borrow even more depending on the circumstances.

If you need a higher mortgage than you have been offered, get in touch as there are always alternative options available.

Professional Mortgage Affordability Advice

For more information about mortgages at 4.5 times salary, get in touch with the business loan broker team at 0330 304 3040, or email us at [email protected].

Our experts can scour the UK market for the best deals available, and negotiate terms to ensure you get the borrowing you need at the most competitive rates.

Almas Uddin

Founder and Mortgage Advisor

Explore Our Presence

Securing an excellent mortgage offer with Revolution Finance
Brokers couldn't be easier:

Revolution Mortgage Brokers:100% 100%

Independent & Whole-of-Market

As specialist mortgage brokers for a huge variety of applicants, the whole-of-market consultants at Revolution provide access to an exceptional range of lenders, products and mortgage deals. That means you get the advantage of professional negotiation and broker-exclusives through an established lending network to ensure we always find you the most competitive mortgage available.

About our whole market brokers

Refer, Relax

andget £50

If you refer a friend for a mortgage or anytype of finance you’ll both receive £25 each when their new application successfully completes.

Know more!

We are proud
members of the:

FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature.

We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

Ask the Expert

Mortgage Brokers

Revolution Mortgage Brokers understands that mortgages can be complex and confusing! Ask us any question you might have, and one of our skilled consultants will come back to you as quickly as possible.

Get Started Call 0330 304 3040 Mon - Fri: 9am - 6pm

Find out more about us

Mortgages on 4 - 4.5 x Salary

Discover What Our Customers

Mortgages on 4 - 4.5 x Salary

How Do I Know if I Can Borrow a Mortgage at Four to 4.5 Times my Income?

Whole of market brokers

Mortgage that suits you

On time customer support

How Do UK Lenders Calculate the Maximum Mortgage Value?

What Mortgage Can I Afford?

What Deposit is Required for a 4 - 4.5 Times Mortgage?

Can I Borrow 4-4.5 Times My Income on a Single Applicant Mortgage?

Which UK Lenders Offer the Best 4.5 Times Salary Mortgage Deals?

What Mortgage Can I Get Based on a Four Times Joint Income Application?

Are There Help to Buy Mortgages on 4-4.5 Times Salary?

What are the Eligibility Criteria for a Mortgage at Four to 4.5 Times My Income?

Can I Borrow More Than Four Times My Salary on a Mortgage?

Professional Mortgage Affordability Advice

Further Reading

Finding a UK Mortgage at £300 Per Month

Mortgage based on Salary

What Salary Do I Need to Get a £100,000 Mortgage?

How Can I Get a £150,000 Mortgage Approval?

UK Mortgages at £900 Per Month

Can I Get a Mortgage After Being in Rent Arrears?

Mortgages on 4 - 4.5 x Salary

Mortgage Values Costing £1,000 a Month

Mortgage with an Overdraft

How Can I Get a £300,000 Mortgage Offer?

Mortgages at 6 x Income

Do Mortgage Income Calculators Work?

Guidance To Securing a £250,000 UK Mortgage

Can I Get a Mortgage at Seven Times My Salary?

How Does My Overdraft Affect a Mortgage Application?

What Are the Typical Mortgage Affordability Criteria I Need to Know?

What Mortgage Value Can I Get for £500 a Month?

What Income Do I Need to Prove to Get a UK Mortgage?

Mortgage Applications at £600 Per Month

UK Mortgage Options at £200,000

What Mortgages are Available at Three Times My Income?

How Do UK Mortgage Providers Use Income Multiples to Calculate Affordability?

Advice If You Have Been Rejected for a Mortgage Due to Affordability

How Do Mortgages Work for Applicants with Student Loans?

Joint Income Mortgage Affordability Calculations

Requirements for a £350,000 Mortgage

Mortgages Costing £2,000 Per Month

Mortgage on a Single Income

Mortgage on 5.5 x Salary

Finding a Solution When You Have Had a Mortgage Declined Post-Valuation

Help for Homebuyers Who Have Had a Mortgage Declined After Agreement in Principle

How to Deal With Having a Mortgage Declined on Affordability

Tips and Advice on Proceeding If You Get Declined for a Mortgage After Exchanging Contracts

What to Do if You Have Had a Mortgage Application Declined

Explore Our Presence

Explore Our Presence

Refer, Relax

FCA disclaimer

Ask the Expert Mortgage Brokers

Contact

Social

Ask the Expert

Mortgage Brokers