Posted on 8 August 2011 by laura

I am wanting to maybe sell my flat.  I have no mortgage so would need it valued, I think it will be worth about £65,000.  I want to know how much of a mortgage I could get for a £95,000 house, could you give me some info please, thank you.


The amount that you will be able to borrow will depend on your level of earnings and the size of the deposit you are able to put down.  With a small deposit of £10,000 you may only get around 3 x your annual income, whereas with a larger deposit you may get up to 4 -5 x.

We have a mortgage calculator on this website which will give you an indication of how much you can borrow:

However, this is no substitute for getting proper independent mortgage advice based on your own personal circumstances.  Please call 0344 346 3672 and tell the consultant the date and title of your question, they will then be able to offer further advice and information based on your situation.


Answers provided in response to Ask the experts are based on the information provided and do not constitute advice under the Financial Services & Markets Act. They reflect the personal views of the authors and do not necessarily represent the views, positions, strategies or opinions of John Charcol. All comments are made in good faith, and John Charcol will not accept liability for them.

We recommend you seek professional advice with regard to any of these topics where appropriate.

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