Help More Clients Overcome Affordability

Affordability challenges don't always look the same

Some clients are struggling to build a deposit. Others need more borrowing power, support from family or friends, or a bit of breathing room when they move in.

That’s why we’re always developing new ways to tackle affordability barriers and help you find a way forward for more clients.

Explore our affordability solutions

Track Record Mortgages

Clients hit a brick wall? If your client has a strong rental history but little or no deposit, our Track Record mortgages could help them buy sooner.

Income Booster

Clients can't borrow enough on their own? Income Booster lets your clients combine their income with up to three family members or friends (without making them legal owners of the property), helping them increase their borrowing power.

Delayed Start Mortgages

Clients need a bit of breathing room? Your clients could postpone their first one, two or three monthly mortgage repayments after completion, helping with the costs of settling into their new home. Interest will accrue from day one.

LTI Booster

Clients reached their borrowing ceiling? Eligible clients could borrow up to 5.5 times their income, giving them the extra borrowing power they need.

Mortgages subject to eligibility and lending criteria.

More than innovative products

Finding a way takes more than great products. That's why we combine affordability innovation, common-sense lending and expert support to help more clients achieve home ownership.

Innovation that unlocks affordability

We're always developing new ways to support borrowers and tackle common affordability barriers.

Common-sense lending made simple

Not every case fits neatly into a box. That’s why our BDMs have direct access to underwriters who take a proactive approach to lending and look beyond the obvious wherever possible.

We champion brokers with our commitments

With dedicated BDM support, direct access to underwriters and clear communication, we're here to help you find a way for more clients.

Explore our affordability solutions and find more ways to help your clients move forward.

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When affordability becomes a barrier, let's find a way