25/02/2026
🏡 Would you want to be able to borrow up to 7x your income — AND have your interest rate reduce automatically?
A lender has introduced criteria and product features designed to offer greater borrowing power for you...
Here’s what that could mean:
✨ You can borrow up to 7x income (subject to eligibility and affordability checks) - Traditionally, many lenders use around 4.5x income as a guide
✨ Your interest rate may reduce automatically as your loan-to-value (more equity in your home) improves
✨ Longer fixed-rate options available for added payment stability
📊 Example:
If you earn £50,000 per year:
• At 4.5x income, you might borrow around £225,000
• At 7x income, that could increase to £350,000
That’s a potential difference of £125,000 in borrowing power!! (subject to full affordability assessment).
💡 Why this matters:
✔ Greater potential borrowing capacity where appropriate
✔ More flexibility when purchasing in higher-priced areas
✔ The opportunity to benefit from a lower rate over time as equity increases
✔ An alternative to traditional lending models
If you’d like to explore what may be available to you, feel free to get in touch on 01908 010370📩
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.’
Pre-approved Image:
