In an email to brokers the lender says the changes mean some clients will be able to borrow more.

Barclays has reduced the stress rate on residential mortgages up to 85% loan-to-value.

It says: “Whether your client is buying their first home, moving up the ladder, or refinancing, this change could make a meaningful difference to what’s achievable.

“You can see how this will benefit your clients on our residential affordability calculator.”

Alongside this, Barclays says it has increased income multiples for applicants jointly earning a total gross income between £35,000 and £75,000 a year.

It says: “Following recent affordability enhancements, we know more clients are reaching LTI limits, so this update is designed to support those who may otherwise be constrained.”