What proportion of your monthly take home salary is your mortgage?

[beanyl]

FTB, trying to work out whats sensible with the upcoming cost of living crisis.

Joint mortgage would be 46% of just my income. Fortunately it's 19% of mine and DH's joint income.

75% of my salary
About 20% joint salary

About 15% of our total household income. We are also prioritising overpaying the mortgage over savings and so with overpayments it’s about 23%.

It would be 0.5% of joint but in effect it's 25% as we're both in salary sacrifice pensions so a big chunk gets taken off before net pay is calculated.

It's about 100% of my salary (I work very part time hours!) But about 8% of our joint take home pay!

2600 of around an 8k take home salary.

15% of joint take home pay.

17% of joint salary

33% of our joint family income.

10% but we overpay so 15%

Currently 20%, was 10% of joint salary but separated 4 months ago. When I (hopefully) buy him out it will be 35%.

Just me, 34%. My fixed outgoings are 58% of my take home pay.

5% of houses out 7% take home pay. We were lucky enough to only need a very small mortgage because we bought a cheap house 12 years ago. Since then our house hold income has increased a lot so it's worked out really well. We don't feel any need to upgrade to a bigger house as happy where we are.

Sorry, wish we could edit. That first sentence should start 7% take home....

38% of my take home wage. Yikes. I've spilt with my husband of 14 years and am due to move into my own home next Friday. I've bought at the top of my budget. My current mortgage is about 10% of my take home. I honestly think I've went a bit mad following the split and am taking a leap of faith 😬

About 12% (self-employed so income varies a bit month by month). Single income household so struggling with the cost of everything going up so much so quickly.

Just under 20% of our take home pay.

I did the same MrsP (after a 20 year marriage), I don't regret it. I love the home I've created. I can downsize if I don't want to keep working like I do to pay for it.

Best of luck in your new home.

Mortgage is probably just under a third of our total incomings? It feels like a lot but it’s doable.

Be wary of deciding based on %s.
I mean, if you clear £9000 pm, 50% will be just fine. Less so if you clear £1500pm.

Focus on affordability in ££, how much do you take home, what do you expect total outgoings to be and what mortgage can you afford.

29%, but I pay the whole thing and I earned more when I took out the mortgage. Will have to do something about that before my fixed rate ends.

We’re about to take on a much bigger mortgage which will be about 31%. We bring home just under 6k a month. I am bricking it to be honest but hoping it will be worth the investment eventually. I have scope to increase my earnings as currently part time so that gives us a bit of wiggle room.

16%

25% of take home, but that's after a fairly substantial salary sacrifice pension contribution which I could reduce if things got tight. The house is mine and it's only me on the mortgage so I'm ignoring my partner's income, but he does contribute to living expenses/groceries etc.

Roughly 25%. Consider this to be quite low %.
Single, could pay more from salary/use savings to overpay but have very low interest rate.