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Most banks and building societies have made positive changes to their rates and acceptance criteria to ensure they have a good start to the year.  

HSBC has started accepting variable income like bonuses and commission again, while Barclays offers up to 5.5 times salary mortgages once more. Platform is the latest lender to offer more generous mortgages to professionals like doctors, dentists, and lawyers.

Bank of Ireland has changed its policy and is issuing larger buy-to-let mortgages when borrowers use their personal income on the application form as well as the rent the property generates. The Mortgage Works has also launched a range of limited company buy-to-let rates. 

It is not just the biggest lenders that have made improvements to their policies. Teachers for Intermediaries has started providing joint borrower sole proprietor mortgages, and Ipswich Building Society has increased its maximum loan size from £750,000 to £1 million for people building their own homes.  

At least 12 lenders offer mortgage rates below 1.25% to borrowers with a 40% deposit, and there is a wide selection of rates priced around 1.5% for those with a 25% deposit. The leading five-year fixes are impressively low and priced around 1.4%. 

Call Trinity Financial on 020 7016 0790 to secure a mortgage or book a consultation

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