RESIDENTIAL INTEREST STRESS
TESTING RELAXED
Great news brokers!
We’ve eased our residential stress testing for loans up to £5m, including expat scenarios.
What does this mean for you and your clients?
As the stress rate is now lower for many scenarios, this gives clients the chance to increase their borrowing potential and boost affordability. This means that even more can now access our mortgage solutions.
Increased flexibility, greater access, more complex cases solved.
Hear more from our Head of Mortgage Distribution…
Commenting on the change, Iain Smith, our Head of Mortgage Distribution said:
“Easing our residential stress testing is another step in making our mortgage solutions even more accessible. We’re seeing a welcome market shift in how affordability is assessed, and these changes are designed to support more clients with complex needs on top of what we’re already offering, including multi-generational and JBSP solutions, interest-only deals, and no LTI cap across our products.
It’s all part of our commitment to evolving with the market, and listening to our brokers, to provide flexible solutions that meet real-world client needs.”
All our latest products and rates can be found in our product guide.
Complex case? We’ve got your solution
We’re here to help you place the cases others can’t. Give your BDM a call or chat to our broker support team on 01858 412345.
Article details are correct as of 24 July 2025.
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After another record-breaking year, we’re thrilled to have announced the winners of our Partner Recognition Awards 2021.
The awards celebrate the value of working together with intermediaries and are one way of recognising those who go the extra mile to deliver the best possible results for their clients.
Congratulations to all of our winners and highly commended partners, you have all been sent a fantastic prize:
