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Mortgage Affordability Explained
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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.
What are you looking for?
A Complete Guide to Mortgage Affordability
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.
How Much Can I Borrow on my Salary?
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.
Can I Get a Mortgage Based on 5 Times My Income?
Most mortgage providers cap their lending at 4.5 times salary, but in this guide, we reveal how you can potentially borrow more.
Need Help Getting a £250,000 Mortgage?
Find out how much income you’d need to qualify for a £250,000 mortgage and how to boost your chances of getting one.
Overdraft Mortgage
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.
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Further Reading
£1,000 per month mortgage
£2,000 a Month Mortgage
£3,000 A Month Mortgages
£5,000 a Month Mortgage
£300 a Month Mortgages
What Mortgage Can I Get For £500 a Month?
£600 a Month Mortgage
£700 a Month Mortgage
£800 a Month Mortgage
£300,000 Mortgages
Mortgage 3 times salary
Need a mortgage 4-4.5x your salary?
6 Times Salary Mortgages
Mortgages at 7 times income
Can’t Afford a Mortgage
Debt-to-Income Ratio and Mortgages
Declined on Affordability
Getting a Mortgage Using Joint Income
How Many Times My Wages Can I Borrow For A Mortgage?
Income Needed for Mortgage
Maximum Mortgage
Mortgage Affordability Checks
Self Employed Mortgages – How Much Can You Borrow?
Student Loans and Mortgages
What Mortgage Can I Get for £1,500 a Month?
Mortgage Based on Rent Payments
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