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Help for first time buyers as loan to value limits reduce
Herald Express
|July 16, 2025
FIRST-TIME buyers could be given a boost by lenders having the ability to offer more mortgages at high loan-to-income (LTI) levels, if they choose to.
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The Bank of England said its Financial Policy Committee (FPC) had discussed the current operation of its LTI limits.
The developments mean that individual lenders may choose to have more than 15% of their lending at a high LTI ratio, although a 15% aggregate cap will be kept in place across lenders as a whole.
Different lenders will have different risk appetites.
Britain's biggest building society - Nationwide - welcomed the announcement and said it is aiming to increase its high LTI lending limit.
Dit verhaal komt uit de July 16, 2025-editie van Herald Express.
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