Thinking of Moving? Here's What You Can Afford Today

Aug 15, 2025
3 min read

Not sure if you can afford to move this year? You might be closer than you think.

If moving to a new home is on your mind - whether for more space, a better school catchment, or a change of scenery - working out what you can borrow is the first step. And with new mortgage offers on the market in 2025, your options may be more flexible than they were just a year ago.

At Endurance Mortgages, we help you understand what’s possible based on your income, expenses, and goals. Here’s how to start planning your move with confidence.

What Can You Afford Based on Income?

Lenders typically offer between 4.5x and 5x your income -but in some cases, it could be up to 6x, depending on your situation.

Example estimates:

Earning £35,000? You could borrow around £160,000–£210,000.
Earning £50,000? You may be eligible for up to £300,000.
Earning £75,000? You could borrow up to £450,000 or more, depending on the lender and your credit profile.

Other factors lenders consider:

Credit history
Monthly expenses and debts
Deposit amount
Employment type (salaried, self-employed, etc.)

We can help you get a more accurate figure with a quick mortgage affordability check - no commitment required.

How Location Affects Affordability

House prices vary widely by area, so what you can buy for £300,000 in Basingstoke might look very different to what’s available in Reading or the Isle of Wight.

We’ll help you compare affordability based on:

Average property prices in your target location
Commuting times and local amenities
School zones and community services
Future growth and resale potential

Our local market knowledge means we can tailor your mortgage to the area you want to live in.

What’s New in 2025?

This year, lenders have introduced more options to help movers get started:

3-Month Payment Break: One lender lets you move in without making repayments for the first three months - giving you time to settle in.
Low Deposit Options: Some buyers are securing homes with deposits as low as 5%, subject to criteria.
Rate Switch Promises: If rates drop before completion, some lenders will proactively switch you to the lower rate.

We stay on top of the latest mortgage offers so you don’t miss out on the best deals.

How Endurance Mortgages Can Help

Our team offers independent, whole-of-market advice to find a mortgage that suits your budget and your plans. Whether you're moving up the ladder or downsizing, we make the process smoother from start to finish.

We can help you:

Understand your true borrowing potential
Compare properties and pricing in different areas
Secure a mortgage agreement in principle quickly
Plan your move with confidence

Final Thoughts

Moving doesn’t have to be stressful - or out of reach. With expert advice and the right mortgage, you might be ready to take the next step sooner than you think.

Key takeaways: ✓ You could borrow more than expected - some lenders offer up to 6x income ✓ Local property prices play a big role in affordability ✓ 2025 mortgage offers could help ease upfront costs

Want to know what you could afford in today’s market? Contact Endurance Mortgages for a free, no-obligation affordability check and personalised advice.

Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Endurance Mortgages Ltd is an appointed representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no. 15060351. Registered Address: Worting House, Church Lane, Basingstoke, Hampshire RG23 8PX.