Find out how much your clients could borrow.
Enhanced+
We’re giving you more ways to match your clients to the right mortgage with Enhanced+, offering up to 6x income lending.
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Borrow up to 6x income (5.5x for self-employed)
Max 90% LTV and max £3.5m loan (subject to criteria)
Dedicated underwriter helpline for case support
What is Enhanced+?
Life’s complicated, but getting a mortgage shouldn’t be. That’s where our Enhanced+ mortgages come in.
Enhanced+ offers up to 6x borrowing to income, up to 90% LTV, and borrowing from £450,000 to £3.5 million. It’s designed to support your higher-earning clients looking to increase their affordability, including those with multiple income sources and non-standard outgoings, such as school fees or business costs for the self-employed.
And, as part of our Enhanced+ range, you and your clients have the option to access our dedicated underwriter helpline for pre-DIP case shaping and common-sense underwriting decisions.
What types of clients could Enhanced+ be suitable for?
With increased LTIs, our flexible lending policy, and dedicated support, Enhanced+ offers more solutions to help you connect the right client with the right product.
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First-time buyers
First-time buyer applicants earning over £75,000 in total could secure a mortgage of up to 6x their income at 90% LTV up to £1 million with Enhanced+.
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Self-employed
Self-employed applicants could borrow up to 5.5x their income on loans over £450,000, even if their income is made up of salary and dividends, or salary and net profit.
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Higher earners
Enhanced+ could be well-suited to applicants earning at least £75,000, including 100% of bonuses and commissions, and seeking a mortgage up to £3.5 million.
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Clients with diverse incomes
If your client has multiple sources of income, such as a second job, investments, or pensions, Enhanced+ could help them borrow up to 6x their income.
Enhanced+ may be suitable for clients who want:
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To borrow up to 6x their income (5.5x for self-employed)
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Up to 90% LTV
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A loan between £450,000 and £3.5 million
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Access to a dedicated underwriter helpline for complex case support
Enhanced+ may not be suitable for clients if they:
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Are looking for a mortgage less than £450,000
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Earn less than £75,000 in total
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Are looking to use an affordable home ownership scheme such as Shared Ownership
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Want a Buy-to-Let mortgage
Browse our Enhanced+ product range
Meet your BDM
Here to support you
Available across the UK, your dedicated Business Development Manager (BDM) is ready to give expert advice on your product, criteria, or application questions.
Michael Hollier-Hann - Telephone
North West & Midlands
michael.hollier-hann@newcastle.co.uk
0191 244 2083
Contact our dedicated Intermediary Support Team on 0345 602 2338 or intermediary.lending@newcastle.co.uk. We're available from 8am to 6pm, Monday to Friday.