
Hodge removes LTI caps for borrowers earning £40,000 or more
The change applies across the lender’s residential mortgage ranges and forms part of its wider focus on affordability-led lending criteria.

The change applies across the lender’s residential mortgage ranges and forms part of its wider focus on affordability-led lending criteria.

Hodge has reduced rates and increased LTI allowances across its Resi, Resi Retirement and RIO ranges, offering higher borrowing potential for customers with incomes above £40,000.

Hodge has reduced select 2-year fixed rates across its full mortgage range, including new business and retention products, with cuts of up to 0.25%.

Emma Graham said: "We know that life isn’t always linear, and people’s financial journeys don’t always fit a traditional mould. That’s why we’ve designed our remortgage products to give customers more flexibility."

The 2025 Welsh Lender Event drew brokers, lenders and industry leaders to Swansea Building Society Arena, marking its first time outside Cardiff.

The changes mean customers can borrow up to five times their income, with up to 100% of all income types considered.

According to Hodge, the size of the deposit now plays a more critical role than ever in determining not only the rate offered but the long-term financial impact of a mortgage.

Specialist lender Hodge has named Nurlana Kerimli as its new business development manager for London and the South-East to support brokers handling complex customer needs.

John Carter said: “Our team is here to focus on what really matters to developers and investors."

The portfolio, leased to Marston’s, includes long leasehold pubs across South and West Wales formerly owned by Brains.

He will lead the real estate finance business as Hodge launches a new brand for the division.

The broker fees have risen from 0.45% to 0.55% on Hodge Resi products, aligning the fees across its entire residential range.
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