In the past lenders would put the limits at 3 +1 (or 3 times the first applicant’s income plus 1 times the second) or 2.5 times the joint income.

More recently some lenders have become more flexible regarding the multiples of income they will lend. However these income multiples are often lowered if you are also borrowing to higher loan to values\ (i.e. over 90% loan to value) or if your credit score is not perfect.

Best high income multiple schemes - obviously the best high income multiple scheme for you will depend on your exact circumstances. We can help you to find the best scheme.

Your home may be repossessed if you do not keep up repayments on your mortgage.