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When the amount your clients can borrow is the key challenge, greater flexibility can make all the difference.

That's why we've enhanced our loan-to-income criteria, helping more customers access the borrowing they need without compromising on responsible lending. By increasing loan-to-income limits for eligible higher earners, we're giving brokers greater flexibility to place cases where affordability isn’t a constraint but the amount a customer can borrow could be.

Combined with our pragmatic approach to underwriting and specialist lending expertise, these enhancements provide more opportunities to support customers with complex circumstances, making mortgages happen.

Why Foundation makes a difference:

Greater borrowing power for higher earners: Sole applicants earning £50,000+ can now borrow up to 5.99x income.
More flexibility for joint and multiple applicants: Applicants with a combined income of £70,000+ can access borrowing up to 5.99x income – this applies on applications with up to four borrowers.
Greater JBSP flexibility: Available on Joint Borrower Sole Proprietor (JBSP) applications, including non-occupying borrower income.
Helping overcome accessibility barriers: Higher income multiples can support creditworthy customers affected by high house prices and borrowing constraints.
Supporting a wider range of customers: Including high-net-worth individuals, joint borrowers with strong incomes and families using JBSP arrangements.
Pragmatic underwriting: We assess the whole case and take a common-sense approach to individual circumstances.
A comprehensive specialist proposition: We continue to offer Key Worker applications up to 5.49x income, Professional applications up to 5.99x income, and £4£ remortgages with no LTI cap, giving brokers more ways to support clients and continue making mortgages happen.

Got a case to discuss?

Speak to your Regional Account Manager to find out how our enhanced loan-to-income criteria could help your clients access greater borrowing power, and continue making mortgages happen.

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