Income Multiple (Joint) Maximum

Our standard acceptability

5.3

Criteria definition:

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.

Policy Notes:

Potential to consider up to 5.33x income for our 100% Family Mortgage product, subject to monthly affordability. Cases are typically affordability based and we encourage you to check affordability with our online calculator. For standard mortgages, our maximum income multiple is 4.5. Although, by exception, we can consider going higher. Please contact your local BDM.

Criteria categories:

• affordability assessment
• Policy

Last updated:

29 August 2018