What percent of take home is your mortgage

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We need to remortgage at need of year. Moving from long term low fix (expired).

remortgaging at current rates will take our payments to 50% of combined take home.

is anyone else at this level? I feel sick. Do we need to think about moving or ride out.

That’s seems high to me. Though I suspect it’s difficult to compare ans there are so many variables Ours was about 25% but has come down a bit to 20% after a pay rise.

I think that really depends on the actual numbers. If your take home is 10k a month and mortgage is 5, you should be fine, if it is more like 2k and 1, you have a serious problem. Can you cover your other bills on what you have left after the mortgage is paid?

8% but like @Stilldigging says it’s not just the % that counts.

Moving is costly in itself. Are you in a position to downsize?

Is increasing the term to reduce the monthly payment an option (and overpaying where possible)?

About 23%. That’s straight repayment and due to finish in 5 years.,

Agree there isn't nearly enough information here.

What does the remaining 50% cover, is it enough? Is it actually viable to move, ie are there cheaper properties in the area or would you be able to go somewhere else entirely?

Ours is about 30% of joint take home, rule of thumb is that 30% is maximum ideal for mortgage. We are on a 32 year term! I'd look at extending to bring down the payments.

25%.
There's no point in asking because it's all relative. What works for each family depends on so many factors, for example household income, outgoings and the size of family. Would you both have to work FT, plus OT to afford it? 50% of £1.5k household income is a very different situation to 50% of a £15k income.

Work out what you need to live, excluding the mortgage and see what that leaves. Don't use all of that for your mortgage, you need extra for unexpected expenses. If you're having to cut things out or limit spending to afford it, then it's too much.

I suspect 50% is too much to live comfortably and you'll be watching the pennies too much to enjoy living.

As others have said it's not easily comparable. For example, ours is 10% of joint income as we have been paying a mortgage since 2003. We had the luck to bag a low rate mortgage for 5yrs at the right time when we moved, it would be double if on the SVR.
We extended the term for low monthly repayments with the intent of overpaying, having more disposable income gives us options.

25%. If it was 50% like yours I don’t think we would cope, but it depends how much you earn a month and how much ‘spare’ money you gave. If you can easily absorb it because you are high earners then you will be fine. It’s definitely dependent on circumstances.

29% of joint income - mortgage as we wanted to pay for private school (which is 25% of our joint income). We also save 25% of joint income.

I'm a SAHM so no Income, our mortgage is 33% of DHs take home pay, which is quite a big chunk! Mortgage and energy bill is 50% of take-home!

Currently it's 11% of household income but our 1.5% interest will end next year so just trying to enjoy it whilst it lasts.

I think I read about a third is comfortable but up to a half can be manageable depending on if you don't have other debts and can keep on top of bills. Obviously if 50 percent goes on the mortgage you won't be having holidays or eating out. I think rates might come down by 2025 but possibly only to 4.25-4.5 percent. If you could ride it out till then I'd definitely try to.

It’s 50% of my income and mortgage is in my name only but DH pays towards it so it is about 30% of joint but will go up to 35% soon. We have loads of equity though (at last 65%).

Ours will be around 20% when our mortgage goes up in June. It is currently 17%. Take home is £7k.

If your mortgage is 50% of £10,000 pcm then you still have £5000 per month to live on.

If it is 50% of £3k when £1500 isnt much to live on.

I would be stressing out at a 50% mortgage.

21% and even that feels a lot!

12.5%

50% does sound high but it depends on your income.

If your combined income is £2.5k, then half your income going on your mortgage would not be comfortable. If your combined income is £15k, then half on your income going on your mortgage would be pretty manageable.

Ours is 29% of our combined take home pay. We are on 1.2% until the end of 2025 - really hoping mortgage interest rates come down before then, or we'll be screwed!

Exactly 10% of our combined nett income. Leaves room for adding to pension, saving for kids, and holidays.

20% of current net income but it's been more in previous years as my salary has increased over time. I don't think it's ever been much more than 25-30% though but it really depends how much you'll be left to live on. If it's 50% of £10k a month then you'll be fine but 50% of £3000 seems tight.

Ours is about 14% of our combined net income

That is high but it depends how big that remaining 50% is, can it cover all outgoings and give a bit extra for savings and family money? Ours is about 24% of take home pay.

Our mortgage is probably about 50% of our joint pot each month. To be honest, I don't even know what our combined income is as dh is self-employed (director of a limited company), so doesn't draw a set salary every month. I'm thinking about what we put into the joint account for monthly spending though and I'd say mortgage is half of that. So I would assume it's more like 25-30% because we both have sizeable personal pots each month too. I think it would matter if your personal spending is high (mine is, because I'm stupid enough to have expensive hobbies). If it wasn't 50% would be less of a concern.