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Income multiples are not set by the mortgage company.  Lenders differ in the way they assess how much you can borrow.   In any best buy mortgage table the lenders will quote the income multiple required for the mortgage.  It will quote single income mortgage multiple and joint income mortgage multiple.   The income multiple will be quoted as a number multiplied by the applicants salary. 

The most common single income mortgage multiples are:-

3.5 times single income
4 times single income
4.5 times single income
5 times single income

The most common joint income mortgage multiples are:-

2.5 times joint incomes
2.75 times joint incomes
3 times joint incomes
3.5 times joint incomes
4 times joint incomes