Help please

jamiestoddart

I currently earn just under 20k, wife has left work to look after kids, and were currently in process of moving house. I currently have a mortgage with ING, they can port the mortgage but would need to do another affordability check, the trouble is they will only lend me 4 times my wage on my own, approx 78k and current mortgage is for 90k but looking at adding another 10k to that to make 100k. Anyone know of any lenders that will offer 5 times your salary at a reasonable rate?

thans in advance

herbiesjp

There are a few lenders that could look at this, but it will depend on your whole scenario

You want a £100k mortgage for a new property, but what is the purchase price?

Do you have any other debts in the background? DO you have a good credit history?

Are you a graduate? WHat is your job title/occupation?

jamiestoddart

herbiesjp wrote: »

There are a few lenders that could look at this, but it will depend on your whole scenario

You want a £100k mortgage for a new property, but what is the purchase price?

Do you have any other debts in the background? DO you have a good credit history?

Are you a graduate? WHat is your job title/occupation?

new property price is £153k, no other debts apart from existing mortgage, yes i have a good credit history.

I have a supervisor role

jamiestoddart

any ideas what lenders will offer you a mortgage 5 times your salary?