No one will lend you the entire amount that you need to buy a house. Normally, you will be lent about 85% of the cost of the house or flat or estimates for repairs or renovation. If your credit worthiness is higher, you may be lent a higher proportion. The loan will also be decided as a percentage of your gross income. If you have a co-applicant, his or her income will be included for deciding the income margin. Find out how much you have to shell out from your pocket here.