Whether or not you have bad credit, your salary or earnings will always be a factor when you’re applying for a mortgage. That’s because all lenders will have criteria for checking you can afford the property you’re wanting to buy.
Most mortgage lenders tend to not offer anything much higher than 4.5x your annual salary or income, and this will depend on your own affordability and individual circumstances. And they tend to not offer anything much higher than 4.5x your income or salary.
Usually, having a larger income will mean you will have access to more mortgage options, but if you have bad credit and you want the highest loan possible, you’ll have to find a lender who is willing to give you the highest multiple of your income.
Having a low income and bad credit can make it seem impossible to get a mortgage, but there's still plenty of options open to you. You could get a guarantor mortgage, or consider a government help scheme such as Help to Buy or Shared Ownership.