Who offers 5X income

leftieM

Alliance and Leicester do at least 4.5 if there are no other debts. They will consider higher multiples (a source close to the poster reveals - not me, no, I wouldn't be daft enough to borrow that amount, although house prices can only go up, we'll miss the boat, it's our pension .....)
Andy Wallace, your single bloke likes his social life - £600 a month! I've translated that into pints and it ain't pretty.

UK007BullDog

Northern rock will lend up to 130%, i.e. 30% into negative equity.

Some lenders go very high but you have to be a graduate in the medical, legal or accounting profession. And already start on a high income to be considered. According to affordability they can go as high as 10x. Credit record also plays a role and some lenders fix you into a long rate of 5 yrs.