To search for an item in the Society's Lending Criteria you can either:
- Select the category - Residential, Buy to Let etc.
- You can then:
- Search for key words - "BTL", "Income", "Self Employed" etc. OR
- Select the All or First Letter within the alphabetical filter
Filter Lending Criteria Alphabetically:
Policy
Loan To Income (LTI)
Maximum Loan to Income (LTI) limits are as follows:
- Total income <= £50,000 or LTV >90%: LTI = 4.49
- Help to Buy & Shared Ownership with LTV <= 90%: LTI = 4.5
- Total income <= £80,000 or LTV >90% with total income >£100k: LTI = 4.75
- All other residential lending (LTV <=90% and total income >80k): LTI = 5