We were quoted 5x household income a couple of weeks ago with a 15% deposit
Because you don't have expenses presumably.
I mean, I literally have a spreadsheet calc showing that with a £450k mortgage at fuck all percentage we'd basically break even when you include childcare provision in expenses.
Should really get those kids earning
Speaking as someone who's just come through the first 2-3 years twice now, it does get easier.
4 years ago, we were like "woah, this is a bit weird not having to shell out that much on top". Then "OMGZ GUYZ WE're hazzzing another babIES"
I can't recommend our mortgage dude enough.
@Howard started
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We were quoted 5x household income a couple of weeks ago with a 15% deposit