Loan to income (LTI) limits
Our LTI offers up to 6 times the household income for eligible borrowers, for example:
- Customers with £70k household income could access up to £35k in additional borrowing, if they have a deposit of 20% or more.
- Even those on lower incomes could benefit. A family with combined income of £45k could access a loan £20k higher than before even with just a 5% deposit.
Unlock more for contractors and self-employed
Our gross income affordability checks for CIS and zero-hour workers make it easier to reflect true earnings.
Read more on how we’re backing Britain’s contractors.
Specialists to support you
Our team 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.
More flexible lending to support your clients
- Our maximum loan amounts of up to £1m at 95% LTV on Level 1 give customers greater borrowing power.
- Our maximum age criteria also makes it easier for more people to access the lending they need.