Here are the latest criteria changes from Hodge, get in touch if you have any questions. We’ll keep this page updated with the latest criteria developments so you can spot new opportunities for your customers. Check back soon to make sure you’re working with the most up-to-date information.
June 2026
Re-mortgaging:
- Up to 95% for re-mortgaging (previously 90%)
- Up to 90% for debt consolidation (previously 85%)
Affordability:
- Up to £750k at 95% (previously £600k)
- Up to £2m at 90% (previously £1m)
- Up to £2.5m at 85% (previously £2m)
- Up to 100% of bonus accepted (previously 75%)
- Ignoring voluntary pension contributions for employed and self-employed customers
Foreign nationals:
- Up to 95% LTV for foreign nationals (was 90%)
- Reduced residency to 12 months (previously 2 years)
- Reduced work history to 12 months (previously 18 months)
Property:
- Removal of maximum number of storeys for flats (previously 6)
- Lending up to 95% on ex public sector houses (previously 90%)
- Increasing the maximum permitted flying freehold to 25%
March 2026
Updates to our Holiday Let criteria:
- Max loan size increased to £2m
- Max LTV increased to 80% LTV
- Now lend on properties with more than 6 bedrooms
October 2025
- Max loan size increased to £3m
- Max LTV for interest only moved to 80%
- Minimum income access for high LTI lowered from £75k to £40k
August 2025
- Introduced 95% LTV lending
