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You are here: Home / Archives for Mortgages / Maximum Mortgage

by Payam Azadi

Up to 10 times Income Multiple Remortgage

I never thought I'd be writing about 10 times income multiple for a mortgage.Looking back income multiples have come a long way to get to 10 times. Initially they were 2.75 to 3 times the Main earners income plus once times the Second applicant’s … [Read more...]

Filed Under: Maximum Mortgage

by Payam Azadi

Maximum Mortgage Affordability Income Rules for UK Lenders

Maximum Mortgage

What is the maximum mortgage I can borrow? Probably the single most question I’m asked is: “what is the maximum mortgage I can borrow?” First there is a sense check and as the respective Lenders’ income multiples range between 4 to 5.5 times … [Read more...]

Filed Under: Maximum Mortgage, Mortgages

by Payam Azadi

Another lender moves to 5.5 times income in standard criteria

five and half times income mortgage

Great news as main bank offers 5.5 times income via mortgage brokers From 11th of October Barclays for Intermediaries will be offering a 5.5 times income multiple mortgages for the following selected clients: Mortgages must be taken on a … [Read more...]

Filed Under: Maximum Mortgage

by Payam Azadi

Borrow more on a remortgage using your ex-husband’s income?

Borrow more on a remortgage using your ex-husband’s income? 

Can I use my ex-husband’s earnings to support my remortgage? If you are looking to borrow more on a remortgage using your ex-husband’s income then you are reading the right article. The same applies if you are looking to borrow more on a … [Read more...]

Filed Under: Maximum Mortgage, Uncategorized

by Payam Azadi

Getting the maximum Mortgage for Barristers

Remortgage Free Valuation and Legals

Getting a Mortgage for Barristers and borrowing the maximum based on Barrister income employed or self-employed. The chances are if you are a Barrister and reading this article on ‘mortgage for Barristers’ it’s in the small hours of the day as I … [Read more...]

Filed Under: Maximum Mortgage

by Payam Azadi

Mortgage products for Hedge Fund employees

Low deposit options based on 100% bonuses for Hedge Fund employees with no basic salary income caps  Most UK Mortgage Lenders are generally nervous where the applicants are reliant on variable income such as bonuses received by Hedge Fund employees. … [Read more...]

Filed Under: Maximum Mortgage

by Payam Azadi

Buy to let rental income for affordability assessments

100% of Buy to let rental income used to buy your new residential mortgage  Firstly, I must start by saying that most Mortgage Lenders will NOT take Buy to let rental income into consideration when you are looking to purchase a property to live in. … [Read more...]

Filed Under: Lending Critera, Maximum Mortgage, Mortgages

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Payam Azadi

UK Mortgage for Asylum Seekers on a Refugee Visa

Asylum seekers on a refugee visa Mortgage options from the Experts This article is aimed at mortgages for Asylum seekers on a Refugees Visa who are … [Read More...]

Payam Azadi

Mortgage for Foreign Students on a Tier 4 Visa

Mortgage options for Students on a Tier 4 Visa in the UK This article is aimed at foreign students on a Tier 4 Visa who are in the UK who are … [Read More...]

Payam Azadi

Declined Buy to let mortgage due to background property portfolio stress test

The background property portfolio stress test is stopping borrowing more There could be a variety of reasons why you've been turned down for a … [Read More...]

AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS.

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

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