Tbf I don’t think it’s that big of a mortgage? They bought their house years ago so maybe they weren’t in the position job wise they are now. Say if they only have a 10% mortgage it’s only £315,000 if they got five times their wage it’s £63,000 combined a year they have to earn to get that.
My friend has just got a mortgage as a first time buyer, I think their house was like £310,000 they have a 10% deposit and she doesn’t work so it’s one income plus a baby. This has all been sorted in the last few weeks so I don’t think the handing out of mortgages is ‘that’ bad I think you just need to get the right deal.
Danielle has obviously made some on the house and maybe they save a lot? I don’t think she buys as much as she used to in recent years!