Rental Calculations

5-Year fixed rate and 3-Year base rate tracker
125% at pay rate for five-year fixed products
125% at 7.99% for three-year fixed products
125% at 7.99% for three-year base rate tracker products
110% available on selected deals (please note that this is only available for personal customers only)

To enable your client to take advantage of the 110% at payrate on the 5 year fixed or 3 year base rate tracker, they need to meet the following criteria.

  • Loan amount to be a minimum size of £100,000
  • For a sole applicant qualifying income minimum is £100,000, if joint application then qualifying income needs to be no less than £140,000.
  • Unsecured debt to income ratio not to exceed 20%.
  • One loan at 110% per personal client.  Any other mortgages to be stressed at the standard 125%.

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