More affordability. More opportunities for your clients.

On Thursday 22 October 2026, we made significant improvements to our affordability model, increasing borrowing potential for many of your clients.

Depending on the rate selected, term, income, loan size and existing commitments, eligible borrowers could now access significantly higher loan amounts, particularly those on low to mid-range incomes.

 For some borrowers, this could mean access to tens of thousands of pounds in additional borrowing while continuing to meet our affordability responsibilities.

 For example:

• A client previously qualifying for a £295,000 loan could potentially see this rise to £342,000
• A client previously qualifying for a £155,000 loan could potentially see this rise to £180,000.

These enhancements, combined with our flexible lending criteria and manual underwriting approach, are designed to help you support more clients, who are looking to:

✅Purchase a home
✅Move to a larger property
✅Adapt to changing family circumstances
✅Access greater borrowing where their needs may not fit a standard lending model 

Try our affordability calculator