The new product will have an two-year initial rate of 5.34% (SVR 5.50%, APRC 5.60%) from the 1 July 2025 and it will be assessed entirely on whether borrowers can afford repayments.

There are no maximum income multiples, and all applications are underwritten manually.

While not designed specifically for complex income cases, this approach makes the product suitable for a broader range of borrowing scenarios, including those with stable, verifiable income who may otherwise find their borrowing potential limited under traditional lender rules.

One-year accounts may be considered for professionals such as doctors and dentists.

Earned income is considered up to age 75, and mortgage terms are available up to age 85.

The product comes with a single £100 application fee and no arrangement fee and an early repayment charge of 2% applies to overpayments above 10% of the outstanding balance within the first two years.

The product is now available through The Stafford’s intermediary platform.

The Stafford Building Society national account manager Emma Parker says: “Brokers need flexibility, not standard templates. As a mutual, we take a person-first view of lending, with no rigid multipliers and no tick-box assessments. We’re proud to bring this approach to the 90 percent LTV space.”