[divider]\r\n<h2>Can I afford a big mortgage loan?<\/h2>\r\n<a id="can-i-afford-a-big-mortgage-loan"><\/a>\r\nWhen considering big mortgages, affordability can be key. Of course a lender will need to establish what you can feasibly borrow based on your income, and be confident you\u2019ll be able to meet repayments throughout the life of the loan.\r\n\r\nIf the income is acceptable, most mainstream mortgage deals are usually limited to 4x or 5x annual gross figure for employees, net profit for sole traders and partnerships, and salary + dividends for limited company directors. However, some lenders are prepared to expand this for high earners looking for bigger borrowings and can consider discretionary income stretches for affluent clients, allowing a far higher maximum mortgage amount, in some instances to an excess of 6x or 7x income.\r\n\r\nTo assess whether you feel repayments will be affordable or not, please use the large\u00a0<a title="Mortgage calculators" href="\/mortgage-calculators\/">mortgage calculators<\/a>.\r\n\r\n[divider]\r\n<h2>Large mortgages for directors of limited companies<\/h2>\r\n<a id="large-mortgages-for-directors-of-limited-companies"><\/a>\r\nDirectors of limited companies can often find it difficult to find a lender, as many only consider income based on earned salary and dividends. This can cause issues when directors choose to leave cash in the business and not draw it out as personal income, but have still earned a healthy net profit. The majority of lenders will ignore net profit in this way, which can really restrict successful business owners who\u2019s accountants have drawn their books up in a way that penalises them, despite being completely creditworthy.\r\n\r\nThankfully, there are certain more specialist lenders with different income criteria, that assess a directors income based on salary and share of net profit. This means that if funds are earned but left in the business, they can still be used in the borrowing assessment.