45,800 high-LTI first-time-buyer loans: 4.5× income is not an affordability test
UK high-LTI first-time-buyer loans reached 45,800 in 2025. See what the 4.5× multiple measures, what it omits and how repayments change for buyers.
Real estate
Compare homes using the same area unit and location. A monthly loan payment excludes maintenance, taxes and insurance. Test a higher interest rate before treating an estimate as affordable.
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Real estate
Compare homes using the same area unit and location. A monthly loan payment excludes maintenance, taxes and insurance. Test a higher interest rate before treating an estimate as affordable.
Official sources · ONSFree calculators · GBP
Illustrative estimates only. Taxes, insurance, exchange rates and lender conditions are not included. Use one currency throughout. Interest is fixed, compounded monthly, with payments at month-end.