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Loan to Income Criteria Changes

11th of December 2017

Following a review of credit policy, there are some changes to our Loan to Income criteria that will be coming into effect on Thursday 14th December.

What are the changes?

  1. There has been a change in criteria whereby loans up to 5 times income will only be considered for LTV's up to 85%.
  2. The maximum loan to income allowable for loans greater than or equal to 85% is 4.49 times income (sole or joint), subject to our standard affordability assessment.
  3. All fully packaged applications received before 5pm on Wednesday 13th December will be assessed on the old criteria.

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