@antonia_investing: A sensible mortgage is one where the monthly repayment stays under 30% of your actual take-home pay. Not your salary. What lands in your account after tax. The national benchmark right now is 32% for a typical first-time buyer on the average UK income with a 20% deposit. For lower earners, it's closer to 50%. For London buyers, higher still. The 30% threshold isn't a hard rule but it's the point at which most households can still save, handle unexpected costs, and not feel like the mortgage is consuming their financial life. Sources: Nationwide Housing Affordability Report 2026. Finder UK mortgage statistics, April 2026. All figures correct as of June 2026. Your home may be repossessed if you do not keep up repayments on a mortgage. This content is for information only and does not constitute financial advice. Speak to a qualified, FCA-regulated mortgage adviser before making any decisions

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Tuesday 21 July 2026 14:15:40 GMT