Live from today, Wednesday 9 July 2025, we’ve launched a trio of new products under our Income Flex range, designed to provide brokers with additional solutions for clients who fall outside traditional income assessments.
All three products are available at up to 90% LTV and make full use of the lender’s enhanced affordability calculation of up to 5.5x loan-to-income (LTI).
New Income Flex products
These products are available to borrowers who meet the Income Flex criteria, which supports applications involving multiple or non-standard income sources. This range is particularly suited to self-employed clients, including those using projections, net profit assessments, or with just one year’s accounts.
- Income Flex (x5.5) – 2 Year Fixed 6.25% – 90% LTV – IFHF47
- Income Flex (x5.5) – 2 Year Discount 5.59% variable (1.45% off Homeowner Variable Rate) – 90% LTV – IFHD6
- Income Flex (x5.5) – fixed to 30/09/30 – LTV amended from 80% LTV to 90% LTV – Rate amended from 5.76% to 6.00% – IFHF46
Raising maximum LTI
We have recently raised the maximum LTI from 4.49x to 5.5x for eligible Income Flex cases, with the aim of expanding options for borrowers with strong earnings but more complex affordability profiles.
The introduction of these new products follows earlier changes in July which saw reductions across our whole product range, including Core Residential, Skilled Worker Visa, Buy-to-Let, Income Flex, Credit Flex and Flex Plus products.
Laura Sneddon, Head of Mortgage Sales & Distribution said:
“We know brokers often come across perfectly sound cases that don’t fit neatly into rigid criteria, and that’s exactly where Income Flex can help, especially for self-employed clients or those with irregular income.
“The introduction of these three new products gives brokers more tools to support clients at higher LTVs, with the flexibility of up to 5.5x LTI in place. We want to give brokers solutions that reflect the real lives of their clients, not just what’s easy to assess on paper.”
Stay informed
Want to be alerted when we launch, update, and withdraw our products?
If you would like to keep up to date with our product launches, criteria updates, and any other changes we make to our product range, you can sign up to our email newsletter below and receive this information straight to your inbox.
Speak to us
Our dedicated Business Development team will be happy to speak to you about any cases you have, explain how our specialist products and flexible criteria can benefit your clients, or answer any questions you have. Get in touch on 01455 894 084. Or send us a message on our Live Chat, our response time is often only seconds!
Please note product details and criteria are correct at launch and are subject to change.
