Recent announcements from lenders like NatWest, which has increased its maximum Loan to Income (LTI) ratio to 6.5 times income for joint applicants earning over £150,000, have sparked interest among potential mortgage borrowers. However, Gaurav Shukla, CEO of Home Me Mortgages, cautions that just because individuals can borrow more, it does not mean they should. He emphasizes the inherent risks associated with maxing out mortgages, particularly in light of rising living costs and inflation. Shukla notes that many borrowers may find themselves financially strained if unexpected expenses arise or if the cost of living continues to increase. He warns that while inflation has recently dropped, the full economic impact of ongoing global conflicts may soon affect household budgets. Shukla advises prospective borrowers to carefully evaluate their willingness to make lifestyle sacrifices, such as reducing holidays or dining out, in the face of rising costs. He stresses the importance of approaching mortgage borrowing with a clear understanding of the potential financial implications, urging borrowers to remain cautious and informed.