Lender: Abbey National Salary multiple offered: 3 Wary of offering high multiples, but willing to add the value of work bonuses, inheritance, windfall payments and, in some cases, the possibility of a promotion to your total annual salary.
Lender: HSBC Salary multiple offered: 3.25 Salary multiple is for off-the-street customers.
Lender: Halifax Salary multiple offered: 3.25 Warned that as a first-time buyer and single applicant, it would be virtually impossible to get a higher multiple.
Broker: Consumer Finance Salary multiple offered: 4.25 Although confident of being able to secure this multiple, the broker said it might involve going to the specialist mortgage market which would charge a higher interest rate.
Broker: One Call Salary multiple offered: 4.5 Despite warning me off a high multiple, the broker said he would be able to find a mortgage lender willing to take me on.
What our reporter was offered Lender: Standard Life Bank Salary multiple offered: 4 Bases decisions on affordability rather than income multiples, so someone with no big debts or hire purchase agreements can get a higher advance.
