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Home Mortgages New customers Enhanced+ 

What is Enhanced+?  

Enhanced+ is a range of mortgages that lets you borrow up to 6 times your yearly income for mortgages of between £450,000 to £3.5 million.

Who could benefit from Enhanced+?  

  • First time buyers

    If you are a first time buyer earning over £75,000 or looking for a joint mortgage for 2 people with a joint income of £75,000, Enhanced+ could help you borrow more. With just a 10% deposit, you may be eligible to get a mortgage of up to 6 times your income if you are wanting to borrow up to £1 million.

  • Self-employed 

    Getting a mortgage can be challenging if you’re self-employed. Enhanced+ could help you borrow up to 5.5 times your income and access mortgages over £450,000. We even consider income made up of salary and dividends, or salary and net profit.

  • Various incomes 

    If you have different sources of income, such as a second job, investments, or pensions, Enhanced+ mortgages could help you borrow up to 6 times your income and up to 90% of your property's value, even if your income isn't straightforward.

  • Higher earners

    For those looking for a mortgage of up to £3.5 million, Enhanced+ could help you borrow up to 6 times your income. We also take into account income like bonuses and commissions, which could increase the amount you could borrow.

If you are a first time buyer, are self-employed, have various incomes or have a higher income, lending approval is subject to affordability review and meeting our lending policy criteria.

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How to apply

If you would like to talk to us about your options, arrange an appointment with one of our Mortgage Advisers or call 0345 606 4488. Our lines are open 8am - 6pm, Monday to Friday.

Book an appointment View all mortgage products

YOUR MORTGAGE WILL BE SECURED ON YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Things to consider:

Enhanced+ may be the best fit for you if you want:

  • To borrow up to 6 times your income (or 5.5 times for self-employed)

  • Up to 90% Loan to Value (LTV)

  • A mortgage up to £3.5 million

Enhanced+ may not be the best fit for you if you:

  • Are looking for a mortgage less than £450,000

  • Earn less than £75,000 per year

  • Are looking to use an affordable home ownership scheme such as Shared Ownership

Ready to arrange an appointment?

Tell us about your mortgage needs and arrange an appointment with a Mortgage Adviser to talk about how you could achieve them.

Book an appointment

Let's talk

Speak to one of our friendly mortgage team about your options.

0345 606 4488

Our lines are open 8am - 6pm, Monday to Friday.