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Mortgage repayment methods
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Jargon Buster


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Income multipliers

Determines, in most cases but not always, how much you can borrow. A typical calculation is three times the gross salary of the first applicant plus one times the second, or two-and-a-half times the joint salaries, if this produces more.

Income reference

The lender will usually request written confirmation of income from your employer.


Individual Savings Account. A tax efficient savings plan which can be used to help repay an "interest-only" mortgage. Tax assumptions are those currently applicable and are subject to statutory change.

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