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Loan-to-income (LTI) multiples

The maximum loan-to-income ratio is 5.5x gross income.

The following additional restrictions apply:

  • For LTVs above 85%, LTI is capped at 4.49x.
  • If the primary borrower is self-employed, the LTI is capped at 4.49x.


Gen H

Building a fairer housing market

© Imagine Mortgages Limited 2023

Gen H ® is the trading name of Imagine Mortgages Ltd, a company registered in England and Wales. Company registration number: 11465987.

Authorised and regulated by the Financial Conduct Authority.

Our Financial Services Register number is 921355.

07723 954895

[email protected]

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