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  • What can you borrow as a multiple of joint salaries these days? Looked at a place we liked this morning but need about 4X to make it work.

  • Me and the wife got a mortgage agreed in principle for slightly more than 4.5 x our combined salary, but that was with a 15% deposit (the interest rate are more favourable below 85%)

  • 4x sounds eminently doable but harder if loan size is > £500k (not sure whether than is relevant!)

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