For 150 years, we've been helping people turn their dreams of homeownership into a reality. Our evolving product range is designed to meet the real needs of today’s first time buyers.
We class a first time buyer as anyone who hasn't had a mortgage in the last three years. For joint applications, at least one applicant must meet this definition.
Up to 95% LTV available - including new build houses
LTI of up to 5x their household income
The range may offer 2, 3 or 5 year product options
Minimum £30,000 gross household income if their LTI is between 4.5 - 5.0x
Maximum loan - please refer to our criteria guide
95-98% LTV available- not including new builds
LTI of up to 5x their household income
5 year products only
Minimum £30,000 gross household income
£5,000 minimum deposit
Maximum loan £500,000
Total Debt to income (mortgage and unsecured debt) of up to 5.5x or 5x household income if using more than 90% of max affordability
Self-employed applicants welcome
Gifted deposits welcome
5.5x LTI available with a minimum £30,000 gross household income
6x LTI available with a minimum £75,000 gross household income
Up to 95% LTV available - including new build houses
We might offer your client a Reach mortgage. Reach is a residential product range we’ve designed to support people who face barriers, such as poor credit scores, when buying a home.
We offer up to 95% LTV on the borrower's share for new builds and resales
We'll lend on up to 10 properties or 25% of the total Shared Ownership homes in a postcode (whichever is higher)
Clients must be able to staircase up to 100% ownership
We class a first time buyer as anyone who hasn't had a mortgage in the last three years. For joint applications, at least one applicant must meet this definition.
Learn more about Income Plus
Eligibility criteria
