To ask what % of your income your mortgage is/was?

Ours is 16% but with 3 teens costing a bomb, I would be nervous to go higher. We could stretch ourselves but we’d have less holidays and more stress.

About 16%

I bring home 2k a month. Current mortgage repayment is £300 a month.

Are we talking remaining total amount or percentage of monthly income?

My RENT is 33% of my thp.

This country sucks for single people.

Mine is about 20% of my income, single parent so only my income to consider. I didn't want to stretch myself as I want to overpay and reduce the term, only bought last year and I'm 45!

It’s about 22% of our household take home currently (£8200 take home and £1800 mortgage), but we paid off help to buy and borrowed more to do some works to the house so we’ve basically started again with a high LTV. Should get lower over the years, it’s not a priority for us at the moment.

Joint income £8,820, mortgage £1,500 so about 17%. We put down over 30% deposit so we got a good mortgage rate of 1.39% ... That will all change next year!

Your mortgage might be based on affordability. You could be earning £30k but then only be able to choose a £90k house. Depending where you live that may not even buy you a garage.

the bank decides what they will lend rather than you anyway!! It’s crazy as people are paying £1500 rent but the bank won’t let them pay £1000 mortgage!!

It was 10% of take home pay. It's now 20% after remortgaging for renovations.

Ours is 12% of our joint income , easily affordable.

When we got our mortgage (11 years ago) it was 4.7 times my salary and solely in my name but the monthly payments were £800 a month and my take home was around 2.8k so easily affordable.

It was just before the rules changed in regards to the cap.
DH was put on the mortgage 2 years later when we switched deals.

Approximately 3%. Unusual circumstances though.

When I took out my mortgage it was 3.5 x annual salary but actually took about half of my take-home pay.
When I paid it off (had moved by then and increased the mortgage accordingly) it was one of my lowest bills (less than my council tax for instance).

It’s 25% of our take home pay, which is about 2.6x joint income. 4.2x on my income alone.

When we bought this house, we maxed our affordability as I knew I would get a significant pay rise in the next six months (qualification). If we were to move again, I wouldn’t max our affordability again as I don’t have that luxury anymore unless I move jobs (which I don’t want to do).

Something like 2.8 times combined annual income when we got it, and the monthly payment would've been about 20% ish of net monthly income. Been a few years, so these days the monthly payment is about 10%.

I would never have wanted to go 4.5 times income, but it's easy to say that when there's suitable housing available for much lower multiples. You have to weigh it up.

In q3 2025 over a third of new lending in uk was to borrowers on high loan to income mortgages (so more than 3x joint income or more than 4x single income)

As a multiple of our gross combined salaries its about 2x.

As a % of our monthly post tax its just under 30%, but we are high earners so that leaves a lot left over. Its also a high percentage because we started with only a 20 year term & we are overpaying it.

We have no other debt & no car finance so I'm comfortable its affordable.

Ours was 5x our annual income when we took it out (£400k mortgage on £80k income). We now have £160k left to pay and annual household income is £200k.

Ours is paid off now, but we tried to keep repayments to around 15% of our joint income. We wanted to make sure it was affordable on one income.

Our monthly payment is roughly 12% of our earnings. The entire amount is roughly x2 of our yearly income (after tax/pension)

On my own, it was about 45% of net pay. Plus I was a single parent with no other income. So lots of overtime and an overdraft.
Not ideal but needs must

First house was 2.5-3 times our annual salary, I can't remember what our proportion of our take home salary as we overpaid but with the overpayment it was about 20%
Second house 2 times our annual salary at first, 10% take home pay but this is now 2.5 times annual salary and 20% take home as we are down to one income.

We have come to decisions based on our costs of living. To be very comfortable we aim for a 33:33:33 split of mortgage: living: savings or 25:25:25:25 if adding in nursery. To be comfortable it's more like 40:45:15 /30:35:10:25. Manageable 40:55:5 or 32:37:5:25

3 x. I think if you borrow more (like I know some who did back in the 00s) you can be in trouble of not affording it.

Our first house was 3 x combined salary. I was on about 22000 and dh similar. We had one eye on future children. The mortgage ended up being lower than our childcare payments for a long time.

Think our current mortgage is 15% of our joint take home pay. 10 years left.