Morning All,

Dream house has come for sale. We know that we can afford, but the question is whether a lender would feel the same. I thought I’d ask here because I’m aware that intermediaries may have access to more specialist products. Essentially we’re after a little over 5 x our combined salary:

Combined salary - c. £125k
Lending required - c. £670k
LTV - c. 88%

Appreciate that lenders have their own lending requirements, that all mortgages are subject to affordability checks, etc. I’m also aware that lenders are restricted in terms of the number of products they can offer at 5x or more combined salary.

In principle, though, are there likely to be any potential products out there without punitive interest rates?