NatWest raises maximum borrowing to 6.5 times income for joint applicants earning £150,000-plus

NatWest has raised its maximum loan-to-income ratio to 6.5 for joint applicants earning a combined £150,000 or more, lending up to 75% loan-to-value. It is the lender's fourth such change this year, part of a wider loosening as lenders compete on affordability rather than headline rate. For higher-earning buyers, that can lift borrowing power by tens of thousands of pounds and bring some purchases within reach. It reaches only a narrow band of earners, and stretched income multiples raise repayment risk if rates rise.