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Enhancements to Loan-to-Income limits
We’ve recently announced improvements to our residential Loan-to-Income (LTI) bands, making it easier for your customers to borrow what they need. For higher earners, borrowing limits for 75% LTV and below have increased: sole applicants earning £75k+ and joint applicants earning £100k+ can now borrow up to 6.0x income, and for those earning £40k+, it’s up to 5.5x.
These changes apply to new capital and interest mortgage applications from 28th January onwards. For example, a customer earning £75,000 a year could potentially borrow up to £37,500 more than before. Check out our updated A-Z lending criteria or get in touch if you’ve got questions.
Broker Declaration update – payroll checks
We’re always looking for ways to streamline the application process. Our broker declaration now lets you know that we might collect information from Experian, and for employed applications, we’ll now be asking for your customer’s National Insurance (NI) number. This small change helps us verify income more smoothly and means fewer requests for physical payslips.
If your customer doesn’t have an NI number, just get in touch and we’ll help you find a solution. Thanks for helping us make things simpler for everyone involved.
Connect with us on WhatsApp
We’ve made connecting with us even easier: you can now reach NatWest Intermediaries on WhatsApp! Whether you need speedy responses, pre-application guidance, post-application support, or help with password resets, our team is just a message away and ready to support you securely and confidentially.
For tips on using WhatsApp to contact us, visit our dedicated hub. We’re here to make your life simpler, so why not start a chat and see how responsive mortgage support can be?
Updates to our mortgage range
We’ve recently made changes to our mortgage range. To keep up with the latest products and offerings, please visit our product news page for all the details.
Thank you for your continued support and partnership. If you have any questions or need help, please don’t hesitate to get in touch.