23/08/2026
Even an average salary in the UK isn't enough to survive anymore.
The average UK salary is £39,039 — around £2,427 take home a month after tax, NI, pension and student loan.
Average rent: £1,388 a month. £1,039 left.
Council tax: £200. £839 left.
Gas & electric: £139. £700 left.
Car insurance & fuel: £300. £400 left.
Food: £300. £100 left.
Phone bill: £50. £50 left.
And there's still more to pay.
Here's the thing — that £1,388 a month is going straight into someone else's pocket. It's not building you anything.
A mortgage payment could be lower than what you're already paying in rent, and every payment builds equity that's actually yours.
If you're a renter wondering whether getting on the property ladder is even possible right now — it might be closer than you think. Deposit schemes, first-time buyer options, and different mortgage products mean it's rarely as out of reach as it feels.
Message me and let's find out what's actually possible for you.
07904 091111
"Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it."