Hi Rob

Most lenders will be happy to lend more than usual to someone in your shoes and yes, up to 6 times income may be possible.

My suggestion would be that you figure out what you would be willing to pay on a monthly basis - this is more important at this stage as it will govern your borrowing in a more relevant fashion than old fashioned income multiples.

If you say you can afford, say £1000pm then I could look for the largest mortgage that you can afford at that price.

You might say, we can afford £800 now, but we could afford £1200 in 2 years, that again would give some figures to find a mortgage that fitted that scenario.

By all means give me a call, 01489 784022, I'll see what I can to help

Adrian Garside

Me and my girlfriend are looking at buying are first house. We have a 100k desposit to put down, we are both in semi-professional jobs.

What i would like to know is, i know most mortgage companies offer people 3-3.5 times their income. I have heard that because my girlfriend is currently training to be accountant and is on a training contract at work we can recieve up to 6 times from some companies. Also because we are putting down such a large deposit would that effect the amount that we could be approved? Also we can afford the repayments on a higher mortgage i.e more than 3x our salary.

Can anyone shed some light on this?