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5.0 Based on 145 reviews from review us onElliot E. ★★★★★ Phil Greenwood was fantastic in assisting us in getting our BTL mortgage when several other mortgage brokers were not able to, given our particular circumstances and self employed status. From starting with an initial call right through to the finish, communication was excellent and we're absolutely thrilled. Thank you, Ascot Mortgages for such a professional service.vanessa G. ★★★★★ We had great experience with Natalia. She provided prompt and excellent service throughout our house purchase process.We highly recommend Natalia for mortgage adviseFlora R. ★★★★★ I worked with Richard (Protection Adviser) for a couple of days to sort out life and critical illness insurance. Absolutely brilliant, he found me and my husband the perfect policy. Very knowledgeable and easy to get on, he definetely makes things easy to understand. Thank you for the great service provided.Debbie P. ★★★★★ Cannot speak highly enough of Ascot Mortgages who have helped me on my journey over the last seven years. They have made the dream property possible twice. Thank you to Alison, Jardelle and all the team. I am very grateful.Areti D. ★★★★★ Absolutely thrilled with the exceptional service provided by Ascot Mortgages Ltd and especially by Natalia Barry! Even though our home purchase hasn't been completed yet, we couldn't wait to share our positive experience. From the moment we reached out, their professionalism and expertise shone through, making the daunting process of securing a mortgage a breeze.Not only did Natalia navigate the intricacies of the mortgage market with finesse, but they went above and beyond by suggesting other high-quality services, including solicitors and insurance providers. This comprehensive approach is making the entire home-buying journey seamless and stress-free.Natalia took the time to understand our unique needs and financial situation, ensuring that the options presented were tailored perfectly.Communication is prompt and clear throughout, leaving us feeling informed and confident at every stage. Natalia had our best interests at heart, going the extra mile to secure a fantastic mortgage deal.We cannot recommend Ascot Mortgages and Natalia highly enough. If you're in need of mortgage assistance, look no further. With their expertise and dedication to client satisfaction, you're in the best hands possible. A huge thank you to Natalia for making our home-buying experience a dream come true!Ashley Cox 1. ★★★★★ Would 100% recommend. Myself and my partner are currently going through the mortgage process as first time buyers. Natalia Barry has dealt with our application from day one. She has always been on hand to help, informative throughout and reliable when we have had questions. She has given us several options and broken them down into simple terms to help us. Natalia has truly been exceptional who deserves every bit of credit. We certainly got lucky having her as our first mortgage consultant.Dominik S. ★★★★★ Alison and the Ascot Team are excellent. I have used them for 5 years now and they deliver the most competitive mortgage deals fast. Just what I need. Thank you!Eric T. ★★★★★ We have dealt with Ascot Mortgages twice. Once for a mortgage about eleven years ago and recently for life insurance.In both cases we were treated with the utmost respect and professionalism.In the case of the life insurance application, we considered ourselves to be problem customers because of our age and numerous health issues.Richard Johnson, who managed this application couldn't have been more helpful.He worked in our best interest and was dedicated to providing an excellent service.We were kept up to date through all of the stages of the application and when our doctors were very slow in producing medical reports for the insurance company he persisted where others might have given up.The service we had from Richard was pleasant and professional throughout some difficult stages.My wife and I have no hesitation in recommending Ascot Mortgages.Zack R. ★★★★★ Having dealt with Ascot Mortgages and Alison for many years now I can say that you wont find a more professional, knowledgeable and efficient company to help with your mortgage. Alison is patient and makes the whole process seem easy. She has the answer to any question you have and seems to genuinely care. I can not recommend enough. I am sure I will be using Ascot Mortgages for years to come.Umair Z. ★★★★★ It has been a fantastic experience to work with both Phil and Jardelle at Ascot Mortgages to secure a mortgage product for my first home. Phil made the mortgage process smooth and easy. They are professionals and know what they are doing. Very pleased with the service and communication. would highly recommend them.Hello at NLP West M. ★★★★★ I needed a buy to let re-mortgage. Ascot were efficient from start to finish. I can recommend them completely especially because they can search the whole spectrum of mortgage lenders and meet the clients needs. never waiting for staff to get back and always kept me in the loop.Onohomen O. ★★★★★ ZHOU J. ★★★★★ It has been a brilliant experience to work with both Phil and Jardelle at Ascot Mortgages to secure a great mortgage product for our next home. Given how challenging the current market is, they have done a fantastic job to meet our needs with their expertise, professionalism and effectiveness. We would highly recommend their services to whom seeks help with their property purchase.Nicholas S. ★★★★★ Fantastic service. Ellie and Jardelle were always quick to reply to any queries and very helpful throughout the process. Highly recommend!Stacey S. ★★★★★ Jason was brilliant to work with! Always on top of the transaction! Would highly recommend 👍Scott ★★★★★ Although I've not bought anything yet, they (Jason in particular) have been super helpful in my search for the right mortgage deal, whilst also giving an honest opinion during these difficult times. Would highly recommend.Sandra I. ★★★★★ Fantastic from start to finish! Natalia and Jason found me the best rate for my remortgage and they were extremely efficient! Best service I’ve ever received from a brokerage company. Thanks so much.Virmantas N. ★★★★★ Amazing service and great communication. Ellie Morgan had quickly completed all requests and over delivered all expectations.Highly recommended for those who want to get the stuff done without any delays!David W. ★★★★★ I have used ascot for 3 renewals since they done helped me with my purchase which was complicated and will continue to use them going forward. Very fair prices and very helpful and knowledgeable even with just general information.Adam B. ★★★★★ Natalia made life very easy for us when remortgaging. Third time using ascot always a breezeTaff G. ★★★★★ Ascot Mortgages have been brilliant. Easy to work with and incredibly helpful. I am always happy to recommend them. Natalia and Jason have made the whole process much easier than I was expecting. Excellent service.Daryl L. ★★★★★ We've had a fantastic experience with Natalia Barry and Jason Jones at Ascot Mortgages for our property purchases and refinancing. Their expertise, coupled with genuine care and understanding of our needs, made the process smooth and stress-free.They were consistently communicative, keeping us informed at every step. Their assistance in consolidating our protection cover was invaluable, simplifying what could have been a complex process.What set them apart was their personal touch – always polite and ready to pick up the phone for a chat. This level of personal engagement is rare and much appreciated.In short, Natalia and Jason are not just skilled professionals but also truly dedicated to their clients. We highly recommend their services to anyone in need of mortgage advice.Sarah A. ★★★★★ I have used this firm for several years and they have always been super helpful and supportive, attentive and resolved issues in really useful ways. Shout out to Alison, Ellie and Jardelle (and the team!)Georgia W. ★★★★★ We worked with Ellie to secure our mortgage and protection, and she was a dream! Being a first time buyer, I was quite clueless about the process, and in a time where mortgage rates have been quite high, she worked right til the end to make sure we were getting our mortgage at the best possible rate and was always available to answer all questions I had. Can't recommend enough 🙂Richard D. ★★★★★ js_loader

Written by:

Alison Gibson

Ascot Mortgage Expert

Last Updated:


Written by:

Alison Gibson

Ascot Mortgage Expert

Last Updated:


Purchasing a home is a significant financial commitment, and understanding how much you can borrow is crucial. One common benchmark is obtaining a mortgage 4.5 times salary. This guide will explain everything you need to know about securing a 4.5 times salary mortgage in the UK.

What does it mean to get a mortgage 4 or 4.5 times your salary?

A mortgage of 4.5 times salary means that lenders are willing to loan you up to 4.5 times your annual income. For instance, if your yearly salary is £40,000, you might be eligible for a mortgage of up to £180,000. This multiple helps determine your borrowing power and affordability.

Mortgage multiples:

4.5 times salary mortgage: Up to 4.5 times your annual income.

4 times salary mortgage: Up to 4 times your annual income.

Lenders use these multiples to balance what they can offer you and what you can realistically afford to repay, considering your overall financial health.

How much can I borrow with a 4x, 4.5x, 5x salary mortgage?

The table below illustrates potential borrowing amounts:

Yearly Salary

4 Times Salary

4.5 Times Salary

5 Times Salary





































This table helps to understand the range of mortgage amounts you could potentially borrow based on your annual income and the income multiple applied by different lenders.

How much deposit do I need for a 4.5 times income mortgage?

The required deposit typically ranges from 5% to 20% of the property’s value.

Here’s a quick reference:

Property Value (£)

5% Deposit (£)

10% Deposit (£)

20% Deposit (£)


























A higher deposit may increase your chances of securing a mortgage 4.5 times salary UK and potentially reduce the interest rates you’ll be offered.

Mortgage Affordability Calculator

Use our Mortgage Affordability Calculator to determine how much you can borrow.


  • Annual Income: £50,000
  • Monthly Outgoings: £1,500
  • Possible Mortgage: £225,000 (using a 4.5 times salary multiple)

Mortgage Affordability Calculator

Use this calculator to determine how much you could potentially borrow for a mortgage, based on the typical salary multiples used by most UK lenders.

Input full salaries for all applicants

Is a mortgage always based on this multiple?

While the mortgage 4 times salary and 4.5 times salary mortgage are common, not all mortgages are based on these exact multiples. Lenders may adjust the multiple based on several factors:

  • Credit score: A higher credit score can lead to a higher multiple.
  • Income stability: Stable and consistent income increases lender confidence.
  • Existing debts: Lower debts can enhance borrowing limits.

Speak to an expert about mortgage affordability

Navigating the mortgage landscape can be complex. Speaking to a mortgage broker can help you understand:

  • Personal affordability: Tailored advice based on your financial situation.
  • Best rates: Access to competitive interest rates.
  • Loan options: Various mortgage products available.

Can I get a 4.5x salary mortgage with bad credit?

Obtaining a 4.5 times salary mortgage with bad credit can be challenging but not impossible. Here are some strategies:

  • Improve your credit score: Address issues on your credit report.
  • Higher deposit: A larger deposit can mitigate lender risk.
  • Specialist lenders: Some lenders specialise in bad credit mortgages.

Can self-employed borrowers use a 4.5x income multiple?

Yes, self-employed individuals can qualify for a 4.5 times income mortgage. However, they often face stricter criteria, such as:

  • Income proof: Usually required to provide 2-3 years of accounts.
  • Income consistency: Demonstrating stable or increasing income over the years.

Other factors affecting borrowing limits

Several factors can influence your borrowing limits beyond your salary:

  • Debt-to-income ratio: Lower existing debts improve borrowing power.
  • Loan term: Longer terms can reduce monthly repayments, influencing affordability.
  • Interest rates: Lower rates can increase how much you can borrow.

Which lenders offer 4-4.5 salary multiples

Many UK lenders offer 4-4.5 times salary mortgages. Some prominent ones include:

  • HSBC
  • Barclays
  • NatWest
  • Santander

Each lender has specific criteria and may offer different terms based on your financial profile.

Can you borrow more than 4.5 x salary?

In some cases, borrowing more than 4.5 times your salary is possible, particularly for high-income earners or those with exceptional financial profiles. However, it often involves:

  • Stricter lending criteria: Tighter scrutiny on financial stability.
  • Higher interest rates: Increased borrowing risk for lenders.

Get matched with a broker experienced in higher multiple mortgages

Finding the right mortgage broker can make a significant difference. A broker experienced in higher multiple mortgages can:

  • Identify suitable lenders: Match you with lenders offering high multiples.
  • Negotiate terms: Help secure favourable loan terms.
  • Provide tailored advice: Offer guidance based on your unique situation.


Securing a mortgage 4.5 times salary UK is a viable option for many homebuyers. By understanding the criteria, speaking to experts, and exploring various lenders, you can find the best mortgage to suit your needs. Start by calculating your affordability and consult a broker to navigate the process smoothly.

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A mortgage 4.5 times salary means that lenders are willing to loan you up to 4.5 times your annual income. For example, if your annual salary is £40,000, you may be eligible for a mortgage of up to £180,000. This multiple helps determine your borrowing power based on your income.

The deposit required usually ranges from 5% to 20% of the property’s value. For a property valued at £100,000, this would mean a deposit of between £5,000 (5%) and £20,000 (20%).

No, not all mortgages are based on the 4 or 4.5 times salary multiple. Lenders may adjust the multiple based on factors such as your credit score, income stability, and existing debts.

Obtaining a 4.5 times salary mortgage with bad credit is more challenging, but possible. Strategies include improving your credit score, providing a higher deposit, and seeking specialist lenders who cater to bad credit borrowers.

Yes, self-employed individuals can qualify for a 4.5 times income mortgage, although they might face stricter criteria such as providing 2-3 years of accounts and demonstrating consistent or increasing income.

Several factors influence borrowing limits, including your debt-to-income ratio, loan term, interest rates, and overall financial health.

Many UK lenders offer 4-4.5 times salary mortgages, including HSBC, Barclays, NatWest, and Santander. Each lender has specific criteria and terms based on your financial profile.

In some cases, borrowing more than 4.5 times your salary is possible, particularly for high-income earners or those with exceptional financial profiles. However, this often involves stricter lending criteria and potentially higher interest rates.

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