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How much can I borrow?

You can, in certain circumstances borrow up to 125% of the value of your property, but take careful advice on this. 

The same will also be said of a 100% mortgage, as you will pay slightly over the norm. By and large a 95% mortgage is the norm. 
In terms of your income you can typically borrow up to three and-a-half times the main earner’s income before tax, plus one times any second earner’s income, or alternatively two-and-a-half times your joint incomes (if this is larger). 
Your lender may only count half of income such as overtime, commission, or bonuses unless this is guaranteed. Lenders will reduce the amount they will lend if you have substantial outgoings such as other loan payments.
 
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Your home may be repossessed if
you do not keep up repayments on your mortgage

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