Income Multiple (Joint) Maximum
Our standard acceptability
Indicates the maximum income multiple that cannot be exceeded when assessing how much joint applicants are able to borrow. This is the maximum potential income multiple and should just be used as a guide as other factors may reduce this figure.
The Society does not base lending on income multiples. Our preference is to use an affordability model available on our website.
Our standard maximum income multiple is 4.5 times income although we can, by exception, go beyond that.Criteria categories:
- affordability assessment
29 August 2018