Maximum loan to value scale
The table below lists our maximum loan to value (LTV) for both our Owner Occupier and Buy to Let mortgages. The rate varies depending on the loan size, with the highest LTVs of 80% for Owner Occupier and 75% for Buy to Let.
Please note, we usually only consider earned income to age 70. After the age of 70 we can consider pension income, investments, net rental income and potentially other forms of income. Please contact your BDM or our Mortgage Desk for more information.
| Mortgage type | Max LTV | Loan amount |
| 75% | £45,000 to £1,000,000 | |
| 65% | £1,000,001 - £1,500,000 | |
| Buy to Let | 60% | £1,500,001 - £2,000,000 |
| 50% | £2,000,001 - £3,000,000 | |
| 40% | £3,000,001 plus | |
| 80% | £45,000 - £750,000 | |
| 75% | £750,001 - £1,000,000 | |
| 70% | £1,000,001 - £1,500,000 | |
| Owner Occupied | 65% | £1,500,001 - £2,000,000 |
| 50% | £2,000,001 - £3,000,000 | |
| 40% | £3,000,001 plus |
Please note that HMOs and MUFBs have a maximum LTV of 70%.
If you have any questions relating to this table or any cases you're working on, why not contact your local Business Development Manager now?
Criteria checker
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Affordability Calculator
Find out how much your residential client may be able to borrow. To see affordability for a Buy to Let client, use our Buy to Let calculator