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Single-family home loan limits The FHA defines a low-cost area as one where you can multiply the median home price by % and the resulting price is less.

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For example, let’s say the borrower’s salary is £30k; depending on the lender and their lifestyle and circumstances, they could borrow anywhere between £0 and £k. 2 x £30k salary = £60, mortgage. 3 x £30k salary = £60, mortgage. 4 x £30k salary = £, mortgage. 5 x £30k salary = £, mortgage. 6 x £30k salary.