What is Enhanced+?
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Borrow up to 6x income (5.5x for self-employed)
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Max 90% LTV and max £3.5m loan (subject to criteria)
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Dedicated underwriter helpline for case support
Life’s complicated, but getting a mortgage shouldn’t be. That’s where our Enhanced+ mortgages come in.
Enhanced+ offers up to 6x borrowing to income, up to 90% LTV, and borrowing from £450,000 to £3.5 million - meaning joint incomes from around £75,000 could qualify at the minimum loan size. It’s designed to support your higher-earning clients looking to increase their affordability, including those with multiple income sources and non-standard outgoings, such as school fees or business costs for the self-employed.
And, as part of our Enhanced+ range, you and your clients have the option to access our dedicated underwriter helpline for pre-DIP case shaping and common-sense underwriting decisions.
What can you expect with dedicated Enhanced+ support?
Enhanced+ is an optional service for more complex cases, designed to give you added support when it's needed most.
With Enhanced+, you're not just getting a mortgage product; you're gaining access to a specialist service, designed to help you say yes more often.
Initial discussion: If Enhanced+ sounds right for your client, you’ll have a high-level chat with your BDM where they’ll confirm if your case meets the criteria.
Case review: From there, if your case requires additional support, our lead underwriters will step in. You can work with them via our Enhanced+ phone line to shape your case and receive expert guidance from a dedicated underwriter every step of the way.
Application submission: Once agreed, you'll submit the application through our streamlined application portal. Throughout, your dedicated underwriter will keep you updated with phone calls at key stages - confirming details, sharing progress, and requesting any additional information needed.
What types of clients could Enhanced+ be suitable for?
With increased LTIs, our flexible lending policy, and dedicated support, Enhanced+ offers more solutions to help you connect the right client with the right product.
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First-time buyers
First-time buyer applicants earning £75,000 and over could secure a mortgage of up to 6x their income at 90% LTV up to £1 million with Enhanced+.
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Self-employed
Self-employed applicants could borrow up to 5.5x their income on loans £450,000 and over, even if their income is made up of salary and dividends, or salary and net profit.
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Higher earners
Enhanced+ could be well-suited to applicants earning at least £75,000, including 100% of bonuses and commissions, and seeking a mortgage up to £3.5 million.
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Clients with diverse incomes
If your client has multiple sources of income, Enhanced+ could help them borrow up to 6x their income.
Enhanced+ may be suitable for clients who want:
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To borrow up to 6x their income (5.5x for self-employed)
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Up to 90% LTV
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A loan between £450,000 and £3.5 million
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Access to a dedicated underwriter helpline for complex case support
Enhanced+ may not be suitable for clients if they:
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Are looking for a mortgage less than £450,000
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Earn less than £75,000 in total
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Are looking to use an affordable home ownership scheme such as Shared Ownership
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Want a Buy-to-Let mortgage
Showing all of our products
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- Product name (a - z)
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- Max LTV (high to low)
Mortgage type
Max LTV
Deal term
Rate type
Fees
| Code |
EBRT362 |
|---|---|
| Name | 2 Year Base Rate Tracker - Enhanced+ |
| Rate | 4.75% |
| Max LTV | 65% |
| Fees | £1499 |
| SVR | 6.31% |
| APRC | 6.3% |
|
|
| Code |
EBRT363 |
|---|---|
| Name | 2 Year Base Rate Tracker - Enhanced+ |
| Rate | 4.85% |
| Max LTV | 80% |
| Fees | £1499 |
| SVR | 6.31% |
| APRC | 6.3% |
|
|
| Code |
FIIX845 |
|---|---|
| Name | 2 Year Fixed Rate - Enhanced+ |
| Rate | 5.90% |
| Max LTV | 80% |
| Fees | £1499 |
| SVR | 6.31% |
| APRC | 6.5% |
|
|
| Code |
FIIX846 |
|---|---|
| Name | 5 Year Fixed Rate - Enhanced+ |
| Rate | 5.90% |
| Max LTV | 80% |
| Fees | £1499 |
| SVR | 6.31% |
| APRC | 6.4% |
|
|
| Code |
FIIX847 |
|---|---|
| Name | 2 Year Fixed Rate - Enhanced+ |
| Rate | 5.99% |
| Max LTV | 90% |
| Fees | £1499 |
| SVR | 6.31% |
| APRC | 6.5% |
|
|
| Code |
FIIX848 |
|---|---|
| Name | 5 Year Fixed Rate - Enhanced+ |
| Rate | 5.99% |
| Max LTV | 90% |
| Fees | £1499 |
| SVR | 6.31% |
| APRC | 6.4% |
|
|
| Product | Rate | Max LTV | Fees | SVR | APRC | Product links |
|---|---|---|---|---|---|---|
|
EBRT362 2 Year Base Rate Tracker - Enhanced+
|
4.75% | 65% | £1499 | 6.31% | 6.3% | Full product details Log in to apply |
|
EBRT363 2 Year Base Rate Tracker - Enhanced+
|
4.85% | 80% | £1499 | 6.31% | 6.3% | Full product details Log in to apply |
|
FIIX845 2 Year Fixed Rate - Enhanced+
|
5.90% | 80% | £1499 | 6.31% | 6.5% | Full product details Log in to apply |
|
FIIX846 5 Year Fixed Rate - Enhanced+
|
5.90% | 80% | £1499 | 6.31% | 6.4% | Full product details Log in to apply |
|
FIIX847 2 Year Fixed Rate - Enhanced+
|
5.99% | 90% | £1499 | 6.31% | 6.5% | Full product details Log in to apply |
|
FIIX848 5 Year Fixed Rate - Enhanced+
|
5.99% | 90% | £1499 | 6.31% | 6.4% | Full product details Log in to apply |
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Here to support you
Available across the UK, your dedicated Business Development Manager (BDM) is ready to give expert advice on your product, criteria, or application questions.
Intermediary Support Team
For enquiries, live case support, or document submissions, our Intermediary Support Team is available from 9am to 5pm, Monday to Friday. You can contact them by:
- Phone: 0345 602 2338
- Email: intermediary.lending@newcastle.co.uk