Could anyone give me an idea, what is the most a sole, first time buyer, earning roughly 20k a year, no dependants and no debts could get?

would it just be £80k maximum from anywhere? Or are there places, ways to be quoted something better? Not much on the market to start off with for 80k as you all know.

There's still quite a few companies out there that will lend you 5x your income, even with the 'credit crunch', as long as you have a 5-10% deposit. Just check you can afford the repayments before going ahead with anything. If it means you can afford a 2 or 3 bed house you could always consider renting a room out to help pay the mortgage.:)

You could probably get 4.25-4.5 times your earnings.

Go and see an independant mortgage advisor to put things into perspective, I did this recently with Mortgage Talk (who are based in Blundells property shops) and it at least gave me an idea what was out there. It was free for the initial advice I got as well as an information pack and print offs of example mortgages, their repayments other fees etc.

I am in a similar position and was suggested to have a parent be a guarantor which I'll be discussing with parents this weekend, this inceases what you can borrow, but obviously you still have to meet the repayments!

I got fed up of typing numbers into online calculators and sitting down with someone really did help :)

Hi,

My husband is a mortgage adviser and he will be more than happy to let you know what you could get as a mortgage amount. Just PM if you want his details.

Many thanks.