Introducing LTI Booster

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’re launching 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.

Subject to eligibility and lending criteria. For intermediary Use Only.