What are the standard salary multiples used by banks nowadays?

[affinia]

I always think of banks agreeing to borrow, 3 x salary, maybe 3.25 or for couples 2.5 x joint salary or 3 x one plus 1 x the other. Very unusually I'd hear of one of my peers borrowing 4 x salary.

BUT its years since I looked at borrowing and we always fell inside those parameters anyway.

Just reading an article which suggests limiting the number of people borrowing 5 x salary. Is that a thing now? Whats the new norm?

They don't go by salary multiples, they use the MMR (mortgage market review). So they look at outgoings and then stress test based on a rise in interest rates to 7%

They did affordability for us. List of our outgoings and worked out what we could borrow based on that.

Agree with above. I asked about salary multiples as we want to borrow 3 x DH's plus I have income and we are struggling to borrow it.

Apparently they stopped doing salary multiples a couple of years ago. Its all about what your outgoings are (and childcare and credit cards are hugely taken into account, we had £66 and £88 on 2 credits cards and about 2k got deducted off what we could borrow, we paid them off).

We got our mortgage 11months ago (so recently but before the latest changes) we were still told salary multiples by most lenders - the highest was 5x salary but most were 4x salary. (We didn't borrow that much in the end) We were told that it depended on situation though - we had a high deposit, high salary, no other debt & secure professional jobs so we are a good risk for them.
Some of the lenders we looked at specialised in low risk groups though, I think mainstream lenders have moved away from this.