Standard income assessment bases have changed, with many lenders focusing on affordability as the key criteria over and above multiples of your average annual income.
Many lenders will set a cap, stipulating the maximum they can lend, depending on how much you earn.
Average maximum lending caps are:
Directors with good credit ratings
Up to five times your annual income - sometimes more depending on other circumstances.
Directors with an adverse credit history
Up to 4.5 times your annual income, and sometimes up to five times your earnings, depending on the reasons for the bad credit history.