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

The following additional restrictions apply:

• If the application LTV is above 85%, LTI is capped at 4.49x.
• If the application has a gross income of less than £50,000. LTI is capped at 4.49x.
• If the application has an income booster, LTI is capped at 4.49x.
• If the primary borrower (highest income earner) is self-employed, LTI is capped at 4.49x.