Published 5 August 2014 · Last reviewed 1 May 2026

Can you help me get a mortgage five times salary?

Getting a Mortgage five times my salary 2014 is becoming increasingly difficult as lenders are scaling back their exposure of high income multiple mortgages.

Recent noises from the Bank of England has prompted some of the major banks deciding to curb their income multiples causing a domino effect on the smaller building societies and leading them to follow suit by tweaks to their own affordability models.

To answer the initial question above: it really does depend on the client profile level of income and the amount of deposit being put down. It goes without saying that you must have very high score with no blemishes on your record.

At the moment most of the high Street lenders are lending around about 3.5 to 4.25 x income. That said we still have access to lenders that are lending 5.5 x income but I don’t think they can sustain this level for much longer.

How do I qualify for a Mortgage five times my salary 2014?

You will need to put down at least 15% deposit and be earning a fairly good salary with no outstanding debt or commitments. I would add that children are seen as ‘commitments’ so will impact on the affordability calculation.

What rates are available on five times income multiple mortgages?

To find out do take a look at our Best Buy Section on this website. Click here

So to conclude we can get you mortgages over 5 x your income (and potentially five and half times your income). The trick is to get your mortgage agreed in principle (and followed up by a full application) as soon as possible as it’s only going to get harder.

Niche Advice are totally independent and specialise in high income multiple mortgages. So if you are looking for a mortgage that will be more than five times your salary please call us on T: 020 7993 2044 or alternatively complete the enquiry form on this page.