Answer
Northern rock lent us 4.5 our salary plus an unsecured loan at the same rate to top it up. so for our low joint salary of £27000 we borrowed £130000 on a 100% mortgage over 30 years the rate is a bit high but £120000-£130000 is the starting price for houses in our area so had no option it worked out at £775 a month on a repayment mortgage which is blokeageable when you compare it to rental costs.hope this helps and good luck.p.s. remembered a couple of weeks ago we went into our lloydstsb branch and the mortgage adviser collared us and put our figures in, and said he could match our current mortgage but not beat it and that mortgage multiples are not such a big thing now.things must be changing because 6 months earlier he only offered us £90000p.p.s. we are locked in for 5 years but after that you can always shop round for a better deal
