We’ve listened to your feedback when making this improvement and strengthened our proposition across the board, from enhanced criteria and higher loan-to-values, to competitive rates and a more flexible approach to income, affordability, and credit history.
All this is backed by a team of specialists who understand the complexities of residential owner-occupied lending and are dedicated to helping you unlock more choice and more opportunity for your clients, with decisions made on their individual merit.
Whether it’s a first-time buyer with a small deposit, a self-employed client with complex income, or someone with past credit blips, we’re here to help you find a solution that fits.
What’s changed?
- Improved loan to income (LTI) limits up to 6x household income for eligible borrowers.
- Enhanced affordability through reduced stress rates on 2 & 3 year fixed rates.
- Increased max age criteria.
- Increased max loan amounts up to £1m at 95% LTV on Level 1.
- Lending up to 95% LTV including day rate contractors.
- New gross income affordability asses
