To search for an item in the Society's Lending Criteria you can either:

  • Select the category - Residential, Buy to Let etc.
  • You can then:
    • Search for key words - "BTL", "Income", "Self Employed" etc. OR
    • Select the All or First Letter within the alphabetical filter

Filter Lending Criteria Alphabetically:

All a b c d e f g h i j k l m n o p q r s t u v w x y z

Policy

Loan To Income (LTI)

Maximum Loan to Income (LTI) limits are as follows:

  • Total income <= £50,000 or LTV >90%: LTI = 4.49
  • Help to Buy & Shared Ownership with LTV <= 90%: LTI = 4.5
  • Total income <= £80,000 or LTV >90% with total income >£100k: LTI = 4.75
  • All other residential lending (LTV <=90% and total income >80k): LTI = 5
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