What is Enhanced+?  

Enhanced+ is a range of mortgages that lets you borrow up to 6 times your income (for employed applicants) and 5.5 times your income (for self employed applicants) and for mortgages between £450,000 to £3.5 million. (subject to affordabiity checks)

Who could benefit from Enhanced+?  

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    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.

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    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.

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    Various incomes 

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

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    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.

All lending is subject to affordability checks and meeting our lending criteria.

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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 talk to us?

    Tell us about your mortgage needs and book a Decision in Principle appointment with one of our friendly mortgage team, who will review your affordability to see if we can start you on your home buying journey.

    Book an appointment

  • Let's talk

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

    0345 601 0014*

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