rab
i dont think i couldve got such a good deal walking into a branch of the tsb believe it or not! i went through an independant financial advisor and got a far better deal. i think you can borrow up to 4x your salary. Banks sometimes offer 3/3.2/maybe 3.5 max.

work on paying off some debt before applying because your mortgage they give you is based on money you earn - monthly repayments to debt etc. if you have too much debt you might not get offered so much.

Oh and if its a joint mortgage its not as many times your salary added together. I can be sure cos mine is in my name only. it might only be 2.5 x joint salary.

chop