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umop3pisdn
princeperch
@Howard
Presuming you are childless and have few expenses you might get away with that. But you'd need closer to £450k when factoring in moving costs and SDLT which is still a wedge on a £1m place.
When did you last apply for a mortgage? It seems like a different game to when we last did it. Our household is more than that but we can barely get £400k with existing lender.