Help to buy mortgage

jacko198

So me and my girlfriend are saving for our first house.

We had planned to save £15000 for a £300,000 house. Using the Help to Buy scheme with the 20% government loan.

Now doing online mortgage calculators we have found that monthly payments would be around £850+ per month.

We currently spend £650 a month on rent and save £400 a month between us each month. With not many outgoings

The problem is our joint salary is £45000. The help to buy mortgage people we have spoken to say they only allow upto 4.5 x your salary. But also mentioned others might allow more.

The annoying thing is that i know we can afford it, but using the 4.5 rule they don't think we can.

What is an average guideline for x Salary calculations? Is 4.5 an average or have people managed to get more?