HSBC UK has introduced a higher loan-to-income (LTI) ratio of up to 6.5 times annual income for its Premier customers, giving higher earners and established borrowers greater financial flexibility in the housing market.
The update builds on a series of mortgage enhancements introduced earlier this year, including higher LTI limits for standard and first-time buyers through the bank’s First Home Mortgage.
The latest move extends that support to HSBC’s Premier segment, which relaunched in 2025 with expanded benefits across wealth, health, international and travel services – including access to digital GP appointments and other free healthcare options.
Under the new policy, a Premier customer earning £75,000 per year could now borrow up to £488,000, compared with £375,000 previously.
A customer on £100,000 could access up to £650,000, up from £550,000, while someone earning £213,000 could see their borrowing potential rise from £1.17m to £1.38m, an increase of more than £200,000.
Oli O’Donoghue, head of mortgages at HSBC UK, said: “We’re committed to supporting customers across all segments of the mortgage market.
“Earlier this year we enhanced loan-to-income ratios for standard borrowers, giving more firepower to people looking to buy a home.”
He added: “Now, by extending that approach to our Premier customers, we’re helping higher earners unlock greater flexibility to move up the property ladder or secure their next home with confidence.
“This increase reflects both our confidence in the financial resilience of our Premier customer base and our commitment to responsible, sustainable lending.”
The new LTI ratio is effective from Monday 3rd November 2025 for new mortgage applications from eligible HSBC Premier customers.
