Unlock More Borrowing Power with Higher Income Multiples
MP
Are you self-employed, a limited company director, or facing complex income scenarios? You're likely aware that traditional affordability measures can sometimes leave you feeling restricted. Good news: income multiples are on the rise—and that opens up fresh possibilities. At Mortgage321, with over 30 years of experience backing your goals, we’re here to help you seize them.
What’s Changing?
Lenders are increasingly relaxed around how many times your income determines your borrowing power—especially for higher-income borrowers:
- Up to 7× Loan‑To‑Income (LTI) is now available for applicants earning £60,000 or more annually, up to 90% Loan‑To‑Value (LTV). This means significantly more borrowing potential if you qualify.
Even with lower qualifying incomes—starting at £40,000 per annum—you may now access up to 6× LTI for multiples of 4.5× and above, thanks to recent reductions in minimum thresholds.
Why This Matters for You
- Greater Borrowing Capacity: Borrow more than ever before—up to 7 times your income—potentially unlocking your dream property or investment opportunity.
- Flexible Access: Even if your income doesn’t reach £60K, the option to go up to 6× LTI can still make a meaningful difference.
Tailored for Complex Cases: At Mortgage321, we specialise in bespoke solutions for self-employed clients, limited company directors, and those with non-standard income structures. These enhanced multiples open new doors for clients who’ve traditionally been underserved.
Imagine Your Next Move
| Your Income | Potential Multiples | What Your Could Borrow |
| £60,000+ | Up to 7× LTI | Up to £420,000 |
| £40,000+ | Up to 6× LTI | Up to £240,000 |
Every client’s situation is unique, which means every mortgage solution should be equally tailored.
Why Choose Mortgage321?
- Experience Meets Innovation: Since 2009, we’ve reconciled 30+ years of industry insight with evolving market shifts to secure the mortgages others can’t.
- Bespoke Solutions for Challenging Cases: Whether it’s an HMO financing strategy, bridging loan, buy-to-let arrangement, or a portfolio mortgage, we've got you covered.
Personal, Clear Guidance: We take time to understand you—no jargon, no confusion. Just trusted advice and bold outcomes.
Ready to explore how far your income can take you?
Contact Mortgage321 today for a free, no-obligation chat. Our experts will show you how these new income multiples could help unlock your next home or investment opportunity.
Why wait? Your borrowing potential just grew—and with it, your path to opportunity.
