Most prospective buyers know how much they can borrow, but how much should you borrow? 

Banks will often be happy to lend buyers an eye-watering amount of money, right at the top of what they can afford, but that doesn't mean buyers will be happy once those repayments kick in. 

Not mention five years down the line, when interest rates aren't as low as they once were, and wages aren't increasing at the same rate. 

So how can people actually work out their own borrowing limit - one that allows for the odd night out or weekend away? 

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