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Part of our UK mortgage rates guide. See the main pillar for the full lender comparison, FRN-verified best buys by LTV band and worked-example payments: Best Mortgage Rates UK 2026. |
The traditional rule of thumb is that mortgage payments should not exceed 28-35% of gross monthly income. At current UK interest rates, many buyers are stretching to 35-40% — and lenders typically cap affordability at 4-4.5x annual income.
Why using a mortgage broker matters
A whole-of-market mortgage broker has access to deals from 90+ lenders including exclusive products unavailable if you go direct. They handle the paperwork, negotiate on your behalf, and can place complex cases with specialist lenders. For most borrowers, a good broker saves time and often secures a better rate. Find verified mortgage brokers on the Kaeltripton Mortgage Broker Index.
Get personalised financial advice
Find a verified IFA near you on the Kaeltripton Financial Index.
Find an IFAAlways verify with a qualified adviser
Mortgage decisions are significant long-term financial commitments. The right mortgage depends on your income, deposit, credit history, property type, and long-term plans. Always take advice from an FCA-regulated mortgage broker before committing to any product.
This article is for informational purposes only and does not constitute financial advice. Tax figures are based on 2025/26 rates. Always verify with HMRC or a qualified adviser.
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