a new blend of lending.
This year, we’ve not rested on our laurels. In fact, we’ve completely rewritten our own rules, to create a more affordable, improved blend of residential lending.
We know that real people don’t fit into neat boxes, situations are nuanced, and factors can’t be looked at in isolation. So we’ve crafted a layered approach, with a number of additions to our residential offering, designed to make it easier than ever for your customers to buy their homes.
bold changes
Raised our LTVs to 97% (with fees added)
More potential for your residential customers with smaller deposits
Updated affordability calculations
More customers could qualify to get the borrowing they need
Cut our stress rates to 125%
Increasing accessibility
Increased our income multiples to 6x
Enhancing purchasing power
taste the difference
Industry-leading borrowing power.
Offering up to 6x income at up to 97% LTV (with fees added) – a combination rarely matched.
Most lenders either cap income multiples or reduce LTVs to 85-90%, especially for first-time buyers.
Fully inclusive of all borrower types.
While others restrict higher income multiples by profession, deposit size and tighten lending for adverse credit or self-employed applicants, we keep it simple and accessible.
richer Criteria
- No maximum debt-to-income ratio (DTIR), but an affordability assessment will be carried out based on the applicant's full financial position.
- No extra deductions for childcare costs, pension contributions, and sharesave schemes.
- Unsatisfied CCJs and defaults don’t impact affordability unless there’s a formal repayment plan.
- Consolidated debts are excluded from affordability calculations.
- Minimum income £15,000.
full bodied – lending considered for all
that's not all
We're busy stirring up something new to add to the blend of lending you've come to expect from us –more products, smoother systems and even stronger criteria. It's residential reawakened.
ready to help your customers do more?
speak to your OFFICE BDM.
Find your BDM details here.
INTERMEDIARIES ONLY
Precise Mortgages is a trading name of Charter Court Financial Services Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register Firm Reference Number 494549). Registered in England and Wales with company number 06749498. Registered office: 2 Charter Court, Broadlands, Wolverhampton WV10 6TD. Copyright © Precise Mortgages 2025.