FAQ's

Many lenders offer decisions in principle within 24 hours. We’ll guide you through quickly.

Yes, with the right documentation (SA302s, tax returns, etc.), we help many self-employed clients get approved.

6x salary is usually more restricted and may require higher salary or specific job roles.

Not always, but they are more accessible to those with strong credit and reliable salary.

Yes, especially if they are in a professional career or buying jointly or have a good income.

Higher income multiple mortgages are not inherently risky, but they require careful affordability assessment. Lenders offering these mortgages apply stricter criteria to ensure repayments remain sustainable, even if interest rates change.

Not always, but deposit size can play an important role. A larger deposit can improve affordability calculations and access to certain lenders, although some applicants may qualify with smaller deposits depending on their circumstances.

Rates can sometimes be higher, but this is not always the case. Pricing depends on the lender, loan to value, and overall risk profile rather than income multiple alone.

Yes. Joint applications allow lenders to assess combined household income, which can improve affordability and access to higher income multiples, subject to overall commitments and credit profile.

In some cases, yes. Certain professional groups, including NHS staff, may be assessed more favourably due to stable income and career progression. This varies by lender and role.

Yes, in some circumstances. While most lenders cap borrowing at around 4.5x income, certain lenders will consider higher income multiples where affordability is strong and the overall risk profile is low.

In some cases, yes. It is not available to everyone. It sometimes depends on your income, some first time buyers are eligible for 6 times income with as little as a 30k income.

Yes, some lenders specialise in 6x income for first time buyers. Lender choice is crucial, as not all lenders will consider higher income multiples for first time buyers.

Not always, but deposit size can help. A larger deposit can improve affordability calculations and access to certain lenders, although it is not the only factor lenders consider.