Investigation: future of mortgagesJun 26 2024

Lenders call for review of decade-old regulation on high LTI lending

After engaging with this content, which carries an indicative 30 minutes of CPD, you will be able to:

  • Describe the restrictions of banks' loan to income ratios
  • Explain the challenges that banks face
  • Identify factors that affect LTI policy
  • Describe the restrictions of banks' loan to income ratios
  • Explain the challenges that banks face
  • Identify factors that affect LTI policy
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CPD
Approx.30min
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CPD
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CPD
Approx.30min
Lenders call for review of decade-old regulation on high LTI lending
The loan-to-income flow limit restricts the number of mortgages, extended at LTI ratios of 4.5 or more, to 15 per cent of a lender’s new residential mortgage lending (ANDY RAIN/EPA-EFE/Shutterstock)

For the past 10 years, UK mortgage lenders have had to limit the number of loans they can extend at higher income multiples.

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Related Topics

Bank of England
First-time buyers
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Nationwide Building Society
Prudential Regulation Authority
Regulation
Residential mortgages
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