New starting January 2025! Semi-Exclusive to Ravenwood Services

6x Your Income/Salary Residential Mortgage

Tipton and Coseley Building Society — Large home in South West London

Property Purchase Mortgage and Remortgage from this lender! Six times.

If you need to maximise the borrowing against your home, Ravenwood has access to an extraordinary range of mortgages, including fixed and variable rates. They will accept applications from first-time buyers, professional landlords, self-employed and contractors even if your income is from multiple sources like dividends on your stocks, bond coupon income, income from holding shares in private companies, wages/salaries, and directors’ dividends. This lender understands that if you don’t spend a lot of money on car finance and expensive holidays, an LTI (loan to income) of six is very affordable and equivalent in many ways to what people pay in rent for a similar property.

Interest-only terms are also available to keep your monthly payment down.

Other options include a two-year fixed rate and a five-year fixed rate. If you are remortgaging to pay down other debts, this lender will ignore the service cost of these debts when assessing affordability – a prevalent sense approach.

At very slightly higher rates, this lender offers loans to a value of 85%, too.