UK Mortgages at £900 Per Month

Can you take out a UK mortgage with a repayment value of £900 per month? This independent Revolution guide steers you through various mortgage rates and the most you can borrow at this repayment value.

About your mortgage

Error: Yearly income income must be between £1 and £10,000,000.

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Based on your yearly income, you may be able to borrow:


Most lenders will let you borrow 4.5 times your annual salary so, as long as you have a standard 10% deposit, you should be able to borrow this much.


Depending on your personal circumstances, some lenders may let you borrow 5 times your salary.


Lenders usually cap the amount they lend at 5.5 times your salary, so it’s unlikely you’ll be able to borrow more than this.

This calculator is an estimation of how much you could borrow. If you’re ready to take out a mortgage, speak to a Revolution brokers to see what options are available.

UK Mortgages at £900 Per Month

In this guide, we'll consider what sort of mortgage you can get for a £900 per month budget - and help you understand the critical criteria that influence the best lenders to apply to.

If you need more information, or help to negotiate the most competitive terms on your mortgage, give us a call on 0330 304 3040, or email the Revolution Brokers team at

What Size of Mortgage Can I Apply for at £900 Per Month?

The size of mortgage you qualify for depends on many factors, including the lender's policies and the circumstances.

It also depends on whether you're looking for a repayment mortgage or an interest-only loan - and whether that application is on a tracker rate or fixed-rate term.

The only way to ensure that you apply for the most competitive mortgage products, and select a lender that will be happy to approve your application, is to use a professional broker who can recommend the best options for your £900 a month budget.

What is the Maximum Mortgage I Can Borrow for £900 a Month?

Lenders all use an income multiplication calculation to arrive at a basic maximum mortgage. However, that multiplier depends on the lender.

A lot also depends on what sort of mortgage is on offer, and how long an initial fixed-interest period lasts.

Many lenders offer up to four or 4.5 times your annual income, whereas others can offer as high as six times in specific circumstances. Hence, your monthly budget isn't the only determinant that will influence the maximum you can borrow.

Can I Borrow More on a Longer Mortgage Term for £900 Per Month?

The typical residential mortgage term runs for 25 years, although you can apply for a longer-term to reduce your monthly repayment cost.

However, you must be aware that this does mean paying more interest overall.

For example, extending a mortgage term from 25 to 30 years can mean you qualify for a higher mortgage amount, and pay less per month, but that over the mortgage term you will pay more interest overall.

What Factors Will a Lender Consider Before Approving a £900 a Month Mortgage?

Lenders will look at lots of factors before approving a mortgage, such as:

  • Your income and outgoings.
  • Age and number of dependents.
  • The type of property.
  • Your income or employment type.
  • Credit history.

Each lender has different policies, and so if you're concerned about any of these eligibility criteria, get in touch, as there are lots of niche lenders offering flexible terms on non-standard lending.

Which are the Best UK Lenders for a £900 a Month Mortgage Product?

It can be impossible to know which lender to apply to, or whose criteria you meet - and many mortgage products are not available on the open market and rely on professional brokers to negotiate the terms.

As an independent, whole-of-market broker, our role is to identify what sort of loan you need and assess your circumstances to work out which lenders match with your requirements and will be happy to lend to you.

For example, one applicant might be self-employed and need a lender who offers flexible calculations when it comes to average annual income figures. Another might have a low income and need a lender who specialises in helping first-time buyers get onto the property market.

What Mortgage Can I Get for a Salary of £900 per Month?

Typically, a lender will offer somewhere around 4.5 times your annual salary as a maximum mortgage value.

For example, if you earn £45,000 per annum, most lenders will offer around £202,500 as a maximum mortgage. On an approximate 2.43% interest rate over 25 years, that sort of loan would cost you around £900 per month in repayments.

In some cases, you can borrow five times your income, or even higher - but this depends on meeting every other criterion perfectly, and having a clean credit record.

How Do I Check That I Can Afford a £900 Per Month Mortgage?

Affordability is vital to any mortgage application, and a lender needs to see that you can comfortably keep up with the repayments. That means assessing outgoings as well as your income - taking into account things such as:

  • Utilities and council tax.
  • Groceries and living costs.
  • Insurance payments.
  • Other debts or credit cards.

Expert Support With Finding Affordable Mortgages at £900 Per Month

If you have a fixed budget, you need to ensure that the terms ad rates on your mortgage are affordable and align with your required amount of borrowing.

Give the business loan broker team a call on 0330 304 3040, or email us at, and we'll recommend the best mortgage deals on the market, and the lenders we know will be able to approve your application.

Why Revolution Brokers?
  • Whole of market brokers

  • Mortgage that suits you

  • On time customer support

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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.

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