When you enter a salary sacrifice arrangement, your taxable income reduces, and lenders will assess your mortgage affordability based on this lower figure. This isn’t always a problem — with recent reductions in the Bank of England base rate, many lenders have relaxed their affordability assessments.
While the typical income multiple is around 4.5× your income, some lenders offer higher multiples — particularly for certain professions — with options up to 7× income in specific circumstances.