Income Multiples

Income multiples are a method lenders use to assess how much a borrower can afford to borrow, based on a multiple of their annual income. For example, a 5x income multiple on a $100,000 salary suggests a maximum loan size of $500,000.

While bridging loans are often asset-based, lenders may still consider income multiples—especially when assessing creditworthiness and the borrower’s ability to refinance. Used alongside the loan-to-value ratio (LVR), this metric helps shape responsible lending decisions.

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