This will vary from one lender to the next and is something we can look into for you. Lenders do not have set LTI’s (Loan to Income ratios) such as 4x / 4.5x / 5x income, despite many people thinking this is the case. Although some use this as a guideline, the amount you can borrow will depend on many factors – such as your age and possible length of the mortgage term, how many children or financial dependants you have, what your monthly credit commitments will be on loans, vehicle finance, childcare costs etc – so your maximum loan amount could vary hugely from one lender to the next.