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Thank you gnf for your thoughts on this, I feel your message did shine a light upon some of my, perhaps youth-induced, blind spots, I really appreciate sharing your life experience in this case. As a side note, fortunately, I'm not in a specialized role and I have quite transferable and...

Thank you for your answers RedOnion and gnf_ireland. I am working off the conservative assumption that my salary will not go up / will only track inflation. I am exposed to MNCs (IT based), but not to Brexit at all as far as I can tell. I'm not sure of that, hence the stress test that I...

Thank you for your answer Sarenco! I was thinking the same in that they do constitute a solid guideline/max amount, however, the Central Bank also explicitly allows a certain amount of exceptions to the 3.5 LTI/90% LTV rule for FTBs. As income goes up, discretionary income as a percentage of...

Age: 30 Spouse’s/Partner's age: N/A Annual gross income from employment or profession: 110,000 (though 15% of that would be split between bonus and vested stocks - the latter of which can vary...Ignoring stocks, let's say only 100,000 would count towards regular income for mortgage borrowing)...