If 4 x your salary alone covers the loan (or very close to it) you should be ok.
I've done all mortgage and remortgaging through an IFA. They seem to know best how to work the system (and all of the recent changes).
@Greenbank started
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If 4 x your salary alone covers the loan (or very close to it) you should be ok.
I've done all mortgage and remortgaging through an IFA. They seem to know best how to work the system (and all of the recent changes).