The Majority Of Brexit's Impact On...
News17 mins ago
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It was easy enough to find by doing a quick google search but the title of your question doesnt reflect the actual question you asked.
I think you are talking about self-certified mortgages where if you put down a minimum of 25% you dont have to prove your income.
The reason lenders will only lend x amount using the income multiplier is to protect the borrower from over commitment and leaving some room for interest rises and basic rise in living costs.