Скачать или смотреть Lender Expands to 90% LTV for Non-ILR Applicants

One major lender has just announced two big changes that could open up the property market for thousands of buyers.

✅ Applicants without Indefinite Leave to Remain (ILR) can now borrow up to 90% LTV if one earns £50k+
✅ Universal Credit will now count as income in affordability checks (with restrictions)

In this video, we explain:
✔️ How the new 90% LTV rules work for non-ILR applicants
✔️ What happens if income is below £50k
✔️ The 95% LTV rules for mixed-status joint applications
✔️ How Universal Credit is treated in affordability checks
✔️ Why these changes could be a game-changer for many buyers

Stay informed — the mortgage market is moving fast, and these updates could make the difference between approval and rejection.

Timestamps to help you navigate:

00:00 – Breaking News: Major UK Mortgage Lending Changes 2025
00:18 – New Mortgage Criteria for Foreign Nationals Without ILR
01:05 – Universal Credit Now Accepted in UK Mortgage Affordability
01:27 – Key Mortgage Takeaways and Final Thoughts for Buyers

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A Niche Mortgages LTD is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.

The Financial Conduct Authority does not regulate some aspects of buy-to-let and commercial mortgages.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate this to be £587.

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