Some UK lenders offer enhanced affordability options that allow eligible first-time buyers to borrow more than standard income-based mortgage limits. These products increase maximum borrowing potential by using higher income multiples, sometimes up to around six times the applicant’s income.

Key Features #

• Higher borrowing limits compared to standard affordability
• Available on selected 5- and 10-year fixed-rate products
• Up to 95% LTV in many cases
• Possible cashback and additional incentives for energy-efficient homes
• For first-time buyers only

Eligibility Summary #

• Minimum income thresholds apply
• Employed income only (self-employed income usually not accepted)
• Not compatible with Shared Ownership, First Homes, Help to Buy, Right to Buy, or Interest-Only products
• Subject to credit checks, debt levels, and lender assessment
• Meeting criteria does not guarantee approval