Halifax have 300+ different products. 1.42% 2 year fixed up to 75% ltv and 1.85% for a 5 year up to 60% ltv are the lowest rates they have currently but may not be the cheapest as that depends on other variables like loan amount etc. Totally pointless posting rates for any lender when there are 1000's of variables and products to be considered.
Halifax charging 2.25% for 2yrs fixed and 2.69% for 5yrs fixed on 32% LTV. I think that's criminal
Depends on income. Someone on sub 50k is unlikely to find a lender who will do 5 times income. If your a professional ie accountant/doctor then 5.5 is possible maybe even higher. Income multiples are only a part of the calculation as debt and household expenses also need to be considered.
5x income? Isn't that pretty poor financial advice/management? These are the same folk with a 5k miles per annum leased BMW on the drive.
A mate of the father in laws, Kingston I think the firms called