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MarkW	posted on 3rd Feb 07 at 10:31
	quote: Originally posted by gsi-gaz is the 4.5 times or more, judged on a single salary or a joint salary? alot of it is now judged on affordability you are beter of speaking to a mortgage adviser
gsi-gaz	posted on 3rd Feb 07 at 09:12
	is the 4.5 times or more, judged on a single salary or a joint salary?
whitter45	posted on 1st Feb 07 at 12:40
	quote: Originally posted by topshot_2k you can gte 4.5x as long as you can prove you can afford repayments. can get more if they see at affordable
topshot_2k	posted on 1st Feb 07 at 10:44
	you can gte 4.5x as long as you can prove you can afford repayments.
a_j_mair	posted on 1st Feb 07 at 10:39
	i was at mortgage advisor last night. said cant get upto 4.5 times your salary also told me interest dates are changin pretty much daily on mortgages just now
whitter45	posted on 31st Jan 07 at 15:48
	yes ally tahst right as someone may have a high salry but alot of out goings Basically I could have borrowed 180k but repayments were just stupid
Ally	posted on 31st Jan 07 at 15:19
	I have a rate of 4.9%, 67950k mortgage based on a 15k salary 4.5x annual salary, mortgage based on affordability - not by salary multiplier
topshot_2k	posted on 31st Jan 07 at 15:18
	oh, i tried them but they couldnt beat the halifax for me.
whitter45	posted on 31st Jan 07 at 15:03
	Nationwide
topshot_2k	posted on 31st Jan 07 at 13:20
	with who?
whitter45	posted on 31st Jan 07 at 12:18
	jesus the rates have gone up Just signed yesterday for the hosue - my rate is 4.96 [Edited on 31-01-2007 by whitter45]
topshot_2k	posted on 31st Jan 07 at 10:32
	i got a 124k mortgage on a 140k house. Fixed rate of 5.59% for 2 years with no fees. hopefully should hear if my offer is accepted today :) The banks all offer fixed rates, just shop around. Halifax and chelt & Glous BS are good.
whitter45	posted on 30th Jan 07 at 23:20
	also abbeys advert states 5 times for mortgage
whitter45	posted on 30th Jan 07 at 23:19
	yeah colin base it on uk average wage of 21K Thats 63 for 3 times so 6 times is 126k - going to struggle even with that so thats why there so high I wasn't comfortable lending so much so opted for just over 3
Colin	posted on 30th Jan 07 at 23:05
	6 times :!:! Biggest when I was looking was 4x, the norm was 3 times!!! Must be changing to meet up with modern times :look: [Edited on 30-01-2007 by Colin]
whitter45	posted on 30th Jan 07 at 22:48
	I was offered six times my slary mate - instead just took over 3 times my salary Gives ud a shout gaz if you need any advice
neoquip	posted on 30th Jan 07 at 20:57
	HSBC will go to 6x's as long as you have no other outgoings!!
Colin	posted on 30th Jan 07 at 20:26
	the 3.5x joint salary wont have changed, the apr rate will have went up & you might struggle to get a fixed rate deal.
MarkW	posted on 30th Jan 07 at 19:49
	house day? and get some quote on moneysupermarket.com
gsi-gaz	posted on 30th Jan 07 at 19:48
	as above please peeps, just wondered what the current lending rate is really? last time i went to see a mortgage advisor it was 3.5x joint salary or sumthing like that just wondered if its changed, out of curiosity really cheers