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How much can I borrow for a mortgage?

Generally you can borrow:

Sole Applicant

  • 5 x main income where allowable income > £50,000 p.a.;
    or
  • 4.5 x main income where allowable income ≤ £50,000 p.a.;
  • Multiples above 4.5x will be capped at 85% LTV 

Joint Applicant

  • 4.5 x main income + 1 x secondary income (where joint allowable income ≤ £50,000 p.a.);
    or
  • 5 x main income + 1 x secondary income (where joint allowable income > £50,000 p.a.);
    or
  • 4.5 x joint income (where joint allowable income > £50,000 p.a.);
    or
  • 4 x joint income (where joint allowable income ≤ £50,000 p.a.)
  • Multiples above 4.5x will be capped at 85% LTV
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