What is the maximum mortgage i can afford on a 34000 per annum salary?

The best situation would be to have a mortgage that is no more than 2.5 times your income. This is tough in today's market, but it will prevent your being house poor as time goes on. Also, with equity in the house you will save paying mortgage insurance and weather the ups and downs of the market with peace of mind. You can go to bankrate.com and play with the calculators on there to see how much the payments would be. I usually include additional money in my payment for insurance and property taxes so I don't have to come up with large sums for those things. The total of these payments should not be much more than 50% of your income.