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Affordability is the number one factor that will determine whether you qualify for a mortgage, but since mortgage lenders across the market have different ways of calculating it, your borrowing potential can be difficult to gauge.
But the good news is that there’s help available! Read through our article on mortgage affordability below to get a firm idea of how much you could potentially afford to borrow and where to find a mortgage broker who can help you maximise your borrowing capacity.
The place to begin for an introduction to mortgage affordability, including how it’s calculated and how to work out how much you can borrow.
Find out how much you could borrow on a mortgage based on a salary multiple, and how a broker can make your income go further.
Most mortgage providers cap their lending at 4.5 times salary, but in this guide, we reveal how you can potentially borrow more.
Find out how much income you’d need to qualify for a £150,000 mortgage and how to boost your chances of getting one.
Find out how much income you’d need to qualify for a £200,000 mortgage and how to boost your chances of getting one.
Find out how much income you’d need to qualify for a £250,000 mortgage and how to boost your chances of getting one.
Find out how much income you’d need to qualify for a £300,000 mortgage and how to boost your chances of getting one.
Find out how much income you’d need to qualify for a £350,000 mortgage and how to boost your chances of getting one.
Find out whether you can pass a mortgage lender’s affordability checks if you’re in your overdraft and whether this affects the amount you can borrow.
Some mortgage providers cap lending at 4.5 times salary, others more than this, and you can find out which multiple you qualify for here.
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We know everyone's circumstances are different, that's why we work with mortgage brokers who are experts in all different mortgage subjects.
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*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.
Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.
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