We’ve enhanced our lending policy to help more clients buy their own home — now offering higher Loan to Income options with a rate premium.
To support this, we’ve launched a new LTI Booster product range, designed for clients looking for LTI above 5x their income.
Policy changes – what you need to know
- Sole applications: LTI >4.49x now requires a minimum income of £40,000 (previously £50,000).
- Joint applications: LTI >4.49x remains at £60,000 minimum income.
- LTI up to 100% LTV remains up to 4.49x.
- LTI up to 95% LTV is now available up to 5x.
- LTI up to 90% LTV remains at 5.5x.
Key product information
- The LTI Booster range is available for residential applications where LTI >5x, up to 5.5x.
- Eligibility is subject to income verification. Unverified income may reduce the available LTI and product availability.
- Subject to policy, Shared Ownership, Help to Buy, First Homes or Lift product ranges are available up to 5.5x.
- Not applicable on Buy to Let or product transfers for existing customers.
- Not available with Delayed Start or Track Record.
- All other products will be restricted to 5x LTI.