Helping clients borrow more, responsibly
For some clients, the numbers on paper don’t tell the full story. They’re earning well, managing money sensibly, and could clearly afford a little more, but traditional affordability caps hold them back.
That’s where AffordAbility+ comes in.
It’s our modern, responsible approach to higher-income lending, allowing borrowing of up to 7x LTI for eligible clients, with the certainty and flexibility of an April longer-term fixed rate.
It’s designed to give advisors more options and clients more opportunity, without compromising on care, caution or compliance.
Lending confidence, not just capacity
AffordAbility+ lets advisors help clients borrow more, up to 25% more* in some cases, but always within sensible, sustainable limits.
Every case goes through careful affordability checks, factoring in income, credit history and ongoing commitments. So, when we lend higher, we lend smarter.
That’s how April combines ambition with responsibility.
Why AffordAbility+ works for advisors
When you can offer clients something beyond the standard model, it changes the conversation.
You’re not just running numbers, you’re helping clients take a step that might otherwise be out of reach.
- No ERCs when moving home or overpaying
- Automatic rate reductions as LTV drops
- Uncapped overpayments
- Available on 10- and 15-year fixed rates for households earning £50,000+
7x LTI.
Up to 25% more* borrowing power.
Modern flexibility. Longer-term certainty.
It’s simple lending that supports both short- and long-term goals.
And because April believes in the value of your advice, your clients stay yours throughout.
Rewards that last as long as the loan
It’s not just your clients who benefit.
You’ll earn 45bps on completion, plus an extra 30bps every 5-year anniversary after that.
That’s fair recognition for long-term advice, because longer-term really does mean longer rewards.
AffordAbility+.
The borrowing bounce just got bigger.
We carry out careful affordability checks on every application, taking into account income, credit history and other financial commitments. Borrowing a higher multiple of income means your client could be more exposed if the market shifts. If house prices fall, there’s a greater risk of negative equity, which might make it harder to remortgage or move. At April Mortgages, we follow the FCA’s Responsible Lending practices and always aim to offer products that are not only affordable today, but built for long-term suitability.
*compared to average max. loan of Lloyds/Halifax, Nationwide, NatWest, Santander, Barclays and HSBC as at 16/10/2025.
About April Mortgages
April Mortgages is a UK lender that does things differently. We specialise in modern longer-term fixed rate mortgages over 5, 10 and 15 years that give borrowers greater certainty, more borrowing power, and the freedom to move or repay without strings. Standout features include our 100% LTV mortgage, up to 7x income for eligible applicants, no early repayment charges, and our unique automatic rate reduction with loan-to-value.
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Helping clients borrow more, responsibly
For some clients, the numbers on paper don’t tell the full story. They’re earning well, managing money sensibly, and could clearly afford a little more, but traditional affordability caps hold them back.
That’s where AffordAbility+ comes in.
It’s our modern, responsible approach to higher-income lending, allowing borrowing of up to 7x LTI for eligible clients, with the certainty and flexibility of an April longer-term fixed rate.
It’s designed to give advisors more options and clients more opportunity, without compromising on care, caution or compliance.
Lending confidence, not just capacity
AffordAbility+ lets advisors help clients borrow more, up to 25% more* in some cases, but always within sensible, sustainable limits.
Every case goes through careful affordability checks, factoring in income, credit history and ongoing commitments. So, when we lend higher, we lend smarter.
That’s how April combines ambition with responsibility.
Why AffordAbility+ works for advisors
When you can offer clients something beyond the standard model, it changes the conversation.
You’re not just running numbers, you’re helping clients take a step that might otherwise be out of reach.
- No ERCs when moving home or overpaying
- Automatic rate reductions as LTV drops
- Uncapped overpayments
- Available on 10- and 15-year fixed rates for households earning £50,000+
7x LTI.
Up to 25% more* borrowing power.
Modern flexibility. Longer-term certainty.
It’s simple lending that supports both short- and long-term goals.
And because April believes in the value of your advice, your clients stay yours throughout.
Rewards that last as long as the loan
It’s not just your clients who benefit.
You’ll earn 45bps on completion, plus an extra 30bps every 5-year anniversary after that.
That’s fair recognition for long-term advice, because longer-term really does mean longer rewards.
AffordAbility+.
The borrowing bounce just got bigger.
We carry out careful affordability checks on every application, taking into account income, credit history and other financial commitments. Borrowing a higher multiple of income means your client could be more exposed if the market shifts. If house prices fall, there’s a greater risk of negative equity, which might make it harder to remortgage or move. At April Mortgages, we follow the FCA’s Responsible Lending practices and always aim to offer products that are not only affordable today, but built for long-term suitability.
*compared to average max. loan of Lloyds/Halifax, Nationwide, NatWest, Santander, Barclays and HSBC as at 16/10/2025.
About April Mortgages
April Mortgages is a UK lender that does things differently. We specialise in modern longer-term fixed rate mortgages over 5, 10 and 15 years that give borrowers greater certainty, more borrowing power, and the freedom to move or repay without strings. Standout features include our 100% LTV mortgage, up to 7x income for eligible applicants, no early repayment charges, and our unique automatic rate reduction with loan-to-value.