One of the most important decisions you need to make is how much you can afford to borrow. This is dependent on how much cash you already have available, and the amount you can borrow with a mortgage. Most banks and building societies have income multiples that they apply when looking at how much you can borrow. Typically these are around 3.5 times your sole income or 2.75 times joint income. However, at SPF we have strong relationships with certain institutions, which means we can often arrange for you to borrow more if it is necessary. At the end of the day, the key factor is affordability, and as long as you can prove that you will be able to keep up the repayments on your mortgage, SPF can usually help you to borrow as much as you need.