Which lenders will lend the most?

Balamory

We have a mortage with the Coventry Building Society at the moment. We are on a capped rate until Jan 06. We have a mortgage for £70000 and the house is worth approx £110000. When we took it out I was working full-time but am now a stay at home mum. They have said they would only lend us £45000 if we were new customers as my husband is on about £14500. Are there any lenders who will lend us this amount so that we can try and get a better deal when our capped rate runs out?

Thx

payless

if thats the only income - looking for nearly 5x
that would be hard , as way above most lenders multipler calculation, and those with affordability calculations instead seem to benefit medium to higher earners
( thats not to say some might not go that high- would depend on other factors / credit score - but as with a restricted choice, the products might not be market leading - suggest ask your own bank or a broker to look at individual case)

perhaps a saving grace would be that Cov BS are known for looking after existing clients, and on request will offer you a new deal themselves ( so long as not trying to borrow more- they should not require financial underwriting- ie as the debt is existing, no worries on current income)