Lending criteria for LTI & income multiples

Lending criteria

LTI & income multiples

The table below details the maximum applicable income multiples available for different transactions. Please note in order to obtain an accurate affordability figure it is important to complete the affordability calculator accurately.

Transaction Type	Income below £50,000 (joint or sole basis)	Income above £50,000 (joint or sole basis)
Standard Purchase and Remortgage up to 90% LTV	4.49x	5.0x
Standard Purchase and Remortgage up to 95% LTV	4.49x	4.49x
New Build Purchase up to 90%	4.49x	5.0x
New Build Purchase above 90% (Deposit Unlock)	4.49x	4.49x
Standard Purchase over 95% LTV (The 5K Deposit Mortgage)	4.49x	4.49x

Please note: cases that utilise the cascade score product range will be capped at 5.0x LTI maximum. Those that require a LTI ratio of over 5.0x will require a boost LTI product.