Quote Originally Posted by Canton Kev View Post
“I bought my 1st house for £14,000.According to Zoopla It sold for £140,000 a couple of yrs ago. I was earning less than £5k.”

That’s what you said. From what you said I assumed it was closer to 5k than 4K, not that it really changes my point. If you were on 4k your house was worth 3.5 years wages, if you were on 5k it was just shy of 3 years wages.
My salary was probably equivalent to high twenties now, say £28,000 today. You can get 4x joint salary mortgages or close to 5.5times for singe. So that works out over £200k for a joint application. Then there's 1.7% interest compared to 15%.