What’s on the How Much Can You Borrow poster
A definition and 6 facts worth remembering.
Lenders combine an income multiple with a detailed affordability assessment, stress-testing whether you could still pay if rates rose substantially.
- Typical multiple: 4 to 4.5 times income; sometimes more.
- Joint applications usually combine incomes with a lower multiple.
- Existing credit commitments reduce the amount directly.
- Childcare, dependants and regular commitments all count.
- Stress tests assume a materially higher rate than the one offered.
- A larger deposit unlocks better rates as well as a larger loan.
- Multiple — ~4–4.5×
- Better rates at — LTV ≤ 75%
- Stress test — higher rate
- A car loan of £250 a month can reduce borrowing capacity by tens of thousands.
General education, not financial advice. Clearing short-term debt before applying often increases the offer more than saving the same amount.
Questions about the How Much Can You Borrow poster
- What’s on the How Much Can You Borrow poster?
- A definition and 6 facts worth remembering. Lenders combine an income multiple with a detailed affordability assessment, stress-testing whether you could still pay if rates rose substantially. Typical multiple: 4 to 4.5 times income; sometimes more.; Joint applications usually combine incomes with a lower multiple.; Existing credit commitments reduce the amount directly.; Childcare, dependants and regular commitments all count.; Stress tests assume a materially higher rate than the one offered.; A larger deposit unlocks better rates as well as a larger loan.; Multiple — ~4–4.5×; Better rates at — LTV ≤ 75%; Stress test — higher rate; A car loan of £250 a month can reduce borrowing capacity by tens of thousands.. General education, not financial advice. Clearing short-term debt before applying often increases the offer more than saving the same amount.
- Who is the How Much Can You Borrow poster for?
- How Much Can You Borrow belongs to the Money section rather than to a school year, because money is not something one grade owns. Anyone learning property can pin it up — a beginner, a student mid-course, or someone revising years later.
- When should you use the How Much Can You Borrow poster?
- The multiple is a headline. Affordability testing against your outgoings is what decides it. A wall chart earns its place by being glanceable from where the work is happening, so How Much Can You Borrow belongs on the wall where that money work actually happens, within glancing distance, rather than filed away.
- What other posters go with How Much Can You Borrow?
- Buying vs Renting, The Cost of Buying and Energy Efficiency sit alongside How Much Can You Borrow in the Money section. Printed together they make a wall rather than a single sheet, which is how a reference set actually gets used.Buying vs RentingThe Cost of BuyingEnergy Efficiency
- Is the How Much Can You Borrow poster free to download and print?
- Yes. How Much Can You Borrow downloads as a free PDF with no account, no email and no watermark, like everything else in the Money section. Print as many copies as you like for a home, a classroom, a library or a tutoring group; reselling the file is the only thing the licence rules out.Read the licence
- What size does the How Much Can You Borrow poster print at?
- How Much Can You Borrow is a vector PDF laid out for US Letter, and prints on A4 with Fit to page — the same file, no separate download. Because every mark on it is drawn rather than photographed, it stays sharp enlarged to A3, A2 or A1 at a copy shop. Colour carries emphasis only, so a greyscale print of How Much Can You Borrow loses nothing.Printing guide
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