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Income Plus Mortgages

Whether you're buying your first home, moving to your next one or remortgaging, sometimes you need a little extra borrowing power. Subject to affordability, Income Plus could be the boost you need.

We class you as a first time buyer if you haven't had a mortgage in the last three years. If you're buying with others, only one of you has to be a first time buyer.

Borrow up to 5.5 times your income

You may be able to borrow up to 5.5 times your total income if it’s at or above:

  • First time buyers: £30,000
  • Remortgage and home movers: £50,000

Borrow up to 6 times your income

You may be able to borrow up to 6 times your total income if it’s at or above £75,000.

Available to first time buyers, home movers or if you're looking to remortgage.

Total income example: For first time buyers to borrow up to 5.5 times their total income, the first applicant could earn £17,000 and the second £13,000. With a total income of £30,000 they may be able to borrow up to £165,000.

Other mortgages

First Time Buyer

Buying your first home? If you (or anyone you're buying with) haven't had a mortgage in the last three years, then our First Time Buyer mortgages could help you onto the property ladder.

Reach

We may offer you a Reach mortgage. These are designed to bring home ownership within reach of more people who may otherwise face barriers to buying a home.

Your property could be repossessed if you don't keep up your mortgage repayments.

Income Plus Legal Assisted 5 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/07/2031Then changing to the Society's current Standard Variable Rate (SVR) for the remaining term of the mortgageOverall cost for comparison (APRC)Maximum loan to value (LTV)Product Fee
5.20% 7.74%6.8%80%£0
Max loan amount £1,000,000 / It's not possible to apply for this product online.
5.14% 7.74%6.8%85%£999
Max loan amount £1,000,000 / It's not possible to apply for this product online.
5.24% 7.74%6.8%85%£0
Max loan amount £1,000,000 / It's not possible to apply for this product online.
5.30% 7.74%6.9%90%£999
Max loan amount £700,000 / It's not possible to apply for this product online.
5.35% 7.74%6.9%90%£0
Max loan amount £700,000 / It's not possible to apply for this product online.

Income Plus First Time Buyer 5 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/07/2031Then changing to the Society's current Standard Variable Rate (SVR) for the remaining term of the mortgageOverall cost for comparison (APRC)Maximum loan to value (LTV)Product Fee
5.10% 7.74%6.8%80%£0
Max loan amount £1,000,000 / It's not possible to apply for this product online.
5.04% 7.74%6.8%85%£999
Max loan amount £1,000,000 / It's not possible to apply for this product online.
5.14% 7.74%6.8%85%£0
Max loan amount £1,000,000 / It's not possible to apply for this product online.
5.25% 7.74%6.9%90%£999
Max loan amount £700,000 / It's not possible to apply for this product online.
5.30% 7.74%6.9%90%£0
Max loan amount £700,000 / It's not possible to apply for this product online.
5.54% 7.74%7.0%95%£999
Max loan amount £600,000 / It's not possible to apply for this product online.
5.64% 7.74%7.0%95%£0
Max loan amount £600,000 / It's not possible to apply for this product online.
RATES CORRECT AS AT 14 april 2026

Representative Example

A mortgage of £180,000.00 payable over 25 years initially on a fixed rate for 5 years at 5.64% and then on our current Standard Variable Rate of 7.74% (variable) for the remaining 20 years would require 60 monthly payments of £1119.30 and 240 monthly payments of £1319.49.

The total amount payable would be £383,870.60 made up of the loan amount plus interest of £203,835.60 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparison is 7.0% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

This example has been calculated on a Capital & Interest repayment method. The monthly payments, total amount payable and interest charged all reflect this calculation method.

Key details about this product range

  • Interest calculated daily
  • Free standard valuation up to £999.
  • These products are not available to interest only applications.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • Tapered Early Repayment Charges may apply.
  • The products and services on this site are available to UK residents only.
  • Mortgage applicants must be 18 years or over.
  • Mortgages are subject to eligibility, status and financial standing.
  • A mortgage exit fee of £199 will apply.
  • The Society will assist in covering the basic legal costs of a standard re-mortgage.

Our mortgage calculators

Affordability calculator

Get an idea of how much you could borrow, based on your income and spending.

Repayment calculator

Work out how much you'd need to pay each month towards your mortgage.

Book an appointment

If you need help or support with an existing application, call us on 03450 505 062.

If you want to speak to someone in our mortgage team about a new application, book a telephone appointment online using the 'book an appointment' button.