Are banks giving exemptions to the CB rule for anyone other than applicants in negative equity? I'm looking to sell and buy something slightly more expensive, however the restrictions are killing me. I'm not currently in NE. my new mortgage would be over a longer term and my repayments would be roughly the same as they are now. I have a clean repayment record on my current mortgage and am saving an additional 400pm for the past 2 years. the new mortgage would be approx. 4.2 times my salary. I know the banks have scope to break the rules for 15% of their applicants, but is this 15% restricted to applicants in NE?