Market Harborough Building Society (MHBS) has expanded its residential lending criteria, giving brokers greater flexibility and access to cheaper rates for more complex client scenarios.
The updates are designed to make it easier for intermediaries to place a wider range of cases, including expat and complex income applications.
Effective immediately, the changes respond to broker feedback gathered during the Society’s first Lending Advisory Panel meeting, held in July 2025.
The enhanced criteria now allow income multiples of up to 6x under tier two products, subject to affordability, while tier three remains available for cases exceeding this. Affordability assessments in tier two can now also include savings and complex income types such as vested share income.
“These changes are a direct result of broker feedback, and we’re proud to be acting on it quickly,” said Iain Smith, head of mortgage distribution at Market Harborough Building Society. “Expanding our tier two criteria means more clients can benefit from better rates, including expats and those with complex income. This reflects our ongoing commitment to being best for brokers.”
The move follows Market Harborough’s recent decision to relax residential stress testing for cases up to £5 million, further improving affordability and borrowing potential for a wider pool of borrowers.
MHBS has a tiered lending structure to accommodate non-standard income, multiple income sources, and unusual property types. Lending is available up to £5 million across residential, expat, holiday let, buy to let and bridging finance products.
