Well the answer is of course it is dependant on your individual circumstances. The mortgage market has certainly changed in the last eighteen months to two years. The credit crunch has reigned in the frankly ridiculous amounts mortgage lenders were offering; I doubt we will ever see 125% mortgages again. Lenders are being much more cautious, lending only to those that meet its strict lending criteria. You can no longer expect to get away with a small default. If you have missed your credit card or mobile phone payment by a few days this will be enough for a lender to deem you as too risky. However on to the point, to find out how much you can borrow you could have a look at one or two of the recognised and respected online financial portals. To find out exactly what you are able to borrow will require you to get quotes from real lenders or go through a mortgage broker. The latter can find out what different lenders are willing to offer you, find out what products meet your circumstances as well as answer any queries you may have. Find a whole of market broker meaning they will search every deal on the market for you so you can ensure you are getting the best deal. If you do want a rough estimate of how much you can borrow there are many mortgage calculators available on the internet that will take your income plus if applicable your partner’s income to give you a figure of the likely figure lenders will offer you. As I mentioned when you get a full quote it will depend on your circumstances and it will vary from lender to lender so it is worth shopping around to see what each lender will offer. As the banks positions in the market have changed a fair amount many are able to offer much more competitive deals that those trying to fix their balance sheet.