High Multiplier Mortgages

Types of mortgages – High Multiplier

Mortgage lenders usually apply a formula which is based on a multiple of the incomes of the borrowers to determine the amount you can borrow. The aim is to make sure that you are not over stretched and can afford to keep up with repayments.

Typically lenders or brokers will lend a sum equivalent to income of either 3, 4 or 5 times the first and second income.

Less commonly, other much higher multipliers are used such as 5 + or more times the main income. These are known as High Multiplier Mortgages and are normally for people with reliably growing income, or where partners income is present but being ignored (e.g. because of a bad credit history, lack of accounts etc, but where you know that you can rely on it).


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The advice and/or guidance contained within this site is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

We charge a fee usually 2% of the loan amount with a minimum of £2,999. Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it. The overall cost for comparison is 5% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.