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NatWest for Intermediaries is the latest lender to improve its mortgage criteria making it easier for wealthier borrowers to qualify for interest-only. 

For joint interest-only applications rather than at least one applicant having to earn £75,000 to qualify, the bank has a new minimum combined income of £100,000 per year. For sole applicants, the minimum qualifying income will remain at £75,000 per year. 

NatWest is also accepting bonus income when assessing affordability to match the affordability rules for its capital repayment mortgages. 

Aaron Strutt, product director at Trinity Financial, says: “Interest-only mortgages are popular with our clients and they are much more widely available than they were a couple of years ago. 

“Most of the lenders do not charge a premium for their interest-only deals, and there is a mixture of acceptance criteria. Our brokers have access to lenders offering part interest and part capital repayment mortgages, so a chunk of the debt is repaid. 

Santander, HSBC, Nationwide and Barclays have some of the leading interest-only policies 

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

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