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Thanks US. 4.5 x joint sounds a reasonable guide. With 65% deposit, and two public sector employments, hopefully we'll get that. How are things with "interest only" lending at the moment? Is it a complete no-no or not too bad if that is the route you prefer (even partially)...?

Is "5 x one salary + 3 x the other" fairly normal these days...? And how strict are they on making deductions for gym memberships and season tickets etc at the moment...?