Mortgage Income Multipliers Mortgage income multipliers are one of the tools that are used by mortgage lenders in order to work out how much they are prepared to lend each person looking for a mortgage or remortgage. Usually this is either three times the income of a person applying for a mortgage alone or two and half times the incomes of two or more people applying for a mortgage together, whichever one gives the highest figure. Some mortgage lenders are more generous with their lending and these can be even more flexible if the loan to value is quite low.
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