The most important factors in deciding how much you can borrow are: – Your income – Your outgoings – Your debt – Your credit profile The above areas are essentially used to work out your household income and outgoings, inclusive of basic salary, benefits and bonuses. Trying to ascertain affordability, can be a complex process, and we’ve got a detailed affordability guide that can provide a clearer understanding of how affordability is calculated to help with this.

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