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The Society uses income and expenditure analysis instead of income multiples to asess affordability.
However as a simple guide, if you are taking out a mortgage by yourself, we will lend you up to 4.5 x your salary on the majority of our products. If two of you are taking out a joint mortgage, we will lend up to either 4.5 x the higher salary and 3.5 x the lower, or 4 x the joint salaries. If there are more than 2 people on the mortgage, we will lend up to 3.5 x the joint income. Some types of products are subject to different limits.