We're making changes to our lending criteria to give more clients access to higher loan-to-income (LTI) options.
What's changing:
- Up to 5x income now available as part of our standard lending criteria
- Minimum income requirement reduced to £35k (previously £50k)
- Maximum LTV increased to 90% (from 85%)
These updates apply across our standard residential mortgage range, including Joint Mortgage Sole Proprietor (JMSP) and New Build products.
For clients who need higher borrowing, our Enhanced+ proposition remains available, offering:
- Up to 6x LTI for applicants with loans of £450k+
- Up to 5.5x LTI for self-employed applicants with loans of £450k+
To access up to 6x LTI, select Enhanced+ on our Affordability Calculator.