If you got a mortgage deal on your own with dependents, how much did you earn?

[Prunesnotworking]

And how much deposit (roughly, in terms of LTV)
I'm shocked at how little will be lent to solo applicants, even to someone on 45,000 which is a good wage where I live.
Is it having children that makes the difference?

We're looking at getting a mortgage with me as a stay at home mum and one child. The max we could get on an agreement in principle was 3x his earnings.

Our current lender would only offer 1.5x his earnings, which is less than the amount we owe them on our current mortgage. Other lenders were somewhere between the two.

It's different if you are a single parent to being a family where one adult doesn't work from what I can tell. Having an adult in the home classed as a dependent due to them not working (like STAHP) is actually classed as higher risk than if they were a child. So hence why you'd get a lower multiplier than a single parent

We only had one working applicant when we bought our current house, so 1 adult dependent and 2 child dependents. We were offered 4.5x annual income.