Up to 85% LTV
Sole Applicant:
| Annual employed income | Maximum loan to income (LTI) |
| Less than £60,000 | 4.49 |
| £60,000 and above | 5 |
| £75,000 and above |
5.5 |
Joint Applicants:
| Annual employed income | Maximum loan to income (LTI) |
| Less than £60,000 | 4.49 |
| £60,000 and above | 5 |
|
£100,000 and above |
5.5 |
Income must be made up of salary and allowances only. Self-employed applicant income limited to 4.49x LTI. Subject to full affordability check to calculate maximum loan.
Up to 90% LTV
Sole Applicant:
| Annual employed income | Maximum loan to income (LTI) |
| Less than £50,000 | 4 |
| £50,000 and above | 4.49 |
Joint Applicants:
| Annual employed income | Maximum loan to income (LTI) |
| Less than £50,000 | 4 |
| £50,000 and above | 4.49 |
Income must be made up of basic salary + guaranteed allowances + self-employed income. Self-employed income limited to 4.49x LTI.