Mortgage ratios available?

T33stat

Hi all, I'm currently looking o a martgage on my first home, I'm lookin at two bed house go for around 140,000 in my area. I'm 23 and I currently earn around 29k, have no children and no credit or finance of any kind. Problem I'm having is that I can only seem to get a mortgage for 3.5 times salary, which will leave me short, could I get a 4 times salary mortgage at 80% ltv?


I have been saving up for about 2 years for a deposit while living at home, I currently have 27,000 and am looking to get 30,000 before I move, that gives me 28,000 a a deposit and 2,000 to cover costs.

Thanks

fawd1

well, Halifax is saying on their calculator that you could borrow up to £139,200. This is the link I used.
https://www.halifax.co.uk/mortgages/forms/minicalc/container.asp#result