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 70% 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 typeMax LTV       Loan amount
 70%          £45,000 to £1,000,000
 65%£1,000,001 - £1,500,000
Buy to Let60%£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


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