How much can I borrow?
It used to be very simple to work out how much you could borrow. Just multiply 4 x single income or 3 x joint income and that gave you a figure for your maximum borrowing.
Now, however, the majority of lenders look at the overall affordability of the mortgage, taking into account existing credit, number of children as well as range of other factors such as the credit score.
Different lenders have different affordability calculators and will lend different amounts to different people. We use our knowledge and experience to find the lender that best meets your specific requirements.
Generally speaking, you can normally borrow around 4 x single income, or 4 x joint income - though some lenders will lend more!
Get in touch and we will find a mortgage lender that will lend you the amount you want to borrow and we'll make sure it's the best rate possible.
Areas covered include: Wetherby, Tadcaster, Boston Spa, Collingham, Kirk Deighton, Leeds, Harrogate, York...
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