When I last got a mortgage the amount you could borrow was generally assessed purely on your income, I recall the ratio was 3x your annual income or 2x joint income for joint applicants. I hear that recently the mortgage colmpanies are more enlightened and now look at how much you can afford to pay rather than how much you earn. A few Q's then:- Is this true? If so is it purely on your ability to pay evidenced by past bank statements etc showing that you have kept in the black for the past x months/years and there are no obvious reasons why this would change or do you still have to provide evidence of guaranteed income? Are these particular types of mortgage or do the assessment rules apply to all types (fixed/discount, repayment, interest only etc)? If it is based on your ability to pay how is this calculated, what fixed and variable income and outgoings are taken into account? if only selected lenders use this assessment method then who are they? many thanks for any answers.