I think the only reason we would be able to borrow more than 4.5 times is because of the nature of the jobs we do.
I'm still not sure what I'll be getting paid next year, as I'm entering a new pay scale, but I've been calculating it with the minimum amount and it could be more.
Is this true post Mortgage Market Review? I thought the FCA was / is getting pretty strict about lending on future prospects rather than current situation.
I think the only reason we would be able to borrow more than 4.5 times is because of the nature of the jobs we do.
I'm still not sure what I'll be getting paid next year, as I'm entering a new pay scale, but I've been calculating it with the minimum amount and it could be more.