How Much Can I Borrow as a First-Time Buyer in 2026? (The No-Nonsense Guide)

How much can you really borrow for your first home in 2026? We break down the 'Income Multiplier' vs 'Real-Life Affordability' in the Wirral. From the impact of car finance to why your comfort matters more than the bank’s maximum limit, get the honest facts for first-time buyers.