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Expanded LTI criteria to support more borrowers

Date Published: 10 October 2025

Read time: 1 minute

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.