OUR RESIDENTIAL SOLUTIONS ARE NOW
EVEN MORE ACCESSIBLE

You asked, we delivered…

Following your feedback, we’ve enhanced our residential product criteria. Now even more scenarios are eligible under our tier two products – giving you more flexibility and helping more clients access our lower rates.

What’s new?

• Higher income multiples
  • Up to 6x income now accepted in tier two (subject to affordability)
  • Over 6x income available in tier three (subject to affordability)
• Affordability supported by savings is now accepted under tier two products, alongside complex income criteria that includes vested share income.

These changes apply to our residential mortgage solutions, for cases up to £5m. All our latest products and rates can be found in our product guide.

Hear more from our Head of Mortgage Distribution…

Commenting on the change, Iain Smith, our Head of Mortgage Distribution said: “These changes are a direct result of broker feedback, and we’re proud to be acting on it quickly. Expanding our tier two criteria means more clients can benefit from better rates, including expats and those with complex income. This reflects our ongoing commitment to being best for brokers. We’re focused on doing the right thing for them and their clients, and that means regularly listening to feedback and acting on it.”

And don’t forget…

We’ve recently 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.

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 31 July 2025.