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WebMar 13, 2024 · Based on your yearly income, you may be able to borrow: £0 Most lenders will let you borrow 4.5 times your annual salary so, as long as you have a standard 10% deposit, you should be able to borrow this much. £0 Depending on your personal circumstances, some lenders may let you borrow 5 times your salary. £0 WebSelf-cert mortgages were removed from the market in 2009 by the Financial Conduct Authority (FCA). This method of lending was discovered to be extremely vulnerable to both unethical lending practices and disingenuous applications, with many borrowers claiming to earn significantly more than they actually did. image stalactite
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