Speak to our UK team 03333 204 121

Speak to our UK team 03333 204 121

About Borrowing

How much can I borrow?
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Single Mortgage:
Joint Mortgage:

View our user-friendly fact sheets to help you make your own decisions about your mortgage today

The amount a lender will lend you depends on your income & credit commitments.

Historically lenders would use a simple multiple of your income however nowadays the majority use complex
affordability models to determine the size of the loan. These models usually consider the following…

Your income & how
guaranteed it is

How many children
you have

Your outgoings such as
loans & credit cards

Your credit score

How many years you want
to borrow the money for

 

As a rough guide a typical multiple is four times your income, however if you want to borrow £100,000
with a £25,000 income but have 4 children you are less likely to be approved.

Can I get a Mortgage?
A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

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