mortgages - how much will we lend you?
When calculating how much we will lend you, we will look at your gross basic income before deductions.
We will usually lend up to four times the main salary plus one times the second salary. If you are applying in joint names we can lend three and three quarter times both incomes if this is higher.
If you have any loans we will deduct these from your income before we work out how much we will lend you.
If your salary includes overtime or bonus payments, please telephone our mortgage team on 01325 487171 to discuss whether we can take these into account when we calculate how much we can lend.
You should also work out realistically how much you can afford to borrow.