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It used to be possible to borrow up to six times salary to secure a mortgage but most lenders have recently tightened their acceptance criteria and pulled out of this market.

Many of the high-street lenders will lend between four and five times salary, although one small building society is still potentially offering to lend 5.5 times income.  

Aaron Strutt, product manager at Trinity Financial, says: “Even though the biggest banks and building societies aren’t offering six times income, it is still possible to borrow five times both single and joint salaries if you have a good credit score.

“Many of the lenders are still offering impressive mortgage rates and the two and five year fixes are particularly good value for money.”

If you are looking for help to secure a mortgage and you require a slight income stretch, call Trinity Financial on 020 7016 0790.

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