{"id":1454,"date":"2025-07-12T08:36:42","date_gmt":"2025-07-12T08:36:42","guid":{"rendered":"https:\/\/second-home.uk\/?p=1454"},"modified":"2025-07-12T08:36:42","modified_gmt":"2025-07-12T08:36:42","slug":"expensive-housing-markets-pushing-up-loan-to-income-ratios","status":"publish","type":"post","link":"https:\/\/second-home.uk\/?p=1454","title":{"rendered":"Expensive housing markets pushing up loan-to-income ratios"},"content":{"rendered":"<p>Across London and the South East of England the loan-to-income ratio is approximately 3.65 times, higher than other regions, analysis from brokerage platform Acre has found.<\/p>\n<p>However, this rises significantly when looking to London\u2019s outer postcodes of Bromley (BR), Croydon (CR), Southall (UB), Enfield (EN), Sutton &#038; Morden (SM) where the loan-to-income ratio rises with UB being the highest at 4.16x.<\/p>\n<p>Average first-time buyer loans in these regions exceed \u00a3250,000, a substantial difference compared to the rest of England, where loans\u00a0average than\u00a0\u00a3189,000.<\/p>\n<p>Acre analysis suggests mortgage lenders are showing more appetite to lend at higher loan-to-incomes.<\/p>\n<p>Northern England\u00a0demonstrates more cautious borrowing, with first-time buyers not extending themselves beyond a 3.2x loan-to-income ratio and all areas except Cumbria and Newcastle having an average LTI well under 3x.<\/p>\n<p>Scotland\u00a0shows a lower 2.86x loan-to-income ratio, yet the percentage of loan to property value is among the highest in the UK, with FTBs borrowing an average of 82% of the property\u2019s value. The average loan for first-time buyers in Scotland is now \u00a3167,508.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Across London and the South East of England the loan-to-income ratio is approximately 3.65 times, higher than other regions, analysis from brokerage platform Acre has found. However, this rises significantly when looking to London\u2019s outer postcodes of Bromley (BR), Croydon (CR), Southall (UB), Enfield (EN), Sutton &#038; Morden (SM) where the loan-to-income ratio rises with [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1455,"comment_status":"","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-1454","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-second-home"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Expensive housing markets pushing up loan-to-income ratios - Second Home<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.propertywire.com\/news\/expensive-housing-markets-pushing-up-loan-to-income-ratios\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Expensive housing markets pushing up loan-to-income ratios - Second Home\" \/>\n<meta property=\"og:description\" content=\"Across London and the South East of England the loan-to-income ratio is approximately 3.65 times, higher than other regions, analysis from brokerage platform Acre has found. However, this rises significantly when looking to London\u2019s outer postcodes of Bromley (BR), Croydon (CR), Southall (UB), Enfield (EN), Sutton &#038; Morden (SM) where the loan-to-income ratio rises with [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.propertywire.com\/news\/expensive-housing-markets-pushing-up-loan-to-income-ratios\/\" \/>\n<meta property=\"og:site_name\" content=\"Second Home\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-12T08:36:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/second-home.uk\/wp-content\/uploads\/2025\/07\/HousingAerial.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"837\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.propertywire.com\\\/news\\\/expensive-housing-markets-pushing-up-loan-to-income-ratios\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/second-home.uk\\\/?p=1454\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/second-home.uk\\\/#\\\/schema\\\/person\\\/4d1b4955add7c14742a3be9aaae12292\"},\"headline\":\"Expensive housing markets pushing up loan-to-income ratios\",\"datePublished\":\"2025-07-12T08:36:42+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/second-home.uk\\\/?p=1454\"},\"wordCount\":176,\"image\":{\"@id\":\"https:\\\/\\\/www.propertywire.com\\\/news\\\/expensive-housing-markets-pushing-up-loan-to-income-ratios\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/second-home.uk\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/HousingAerial.jpg\",\"articleSection\":[\"Second Home\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/second-home.uk\\\/?p=1454\",\"url\":\"https:\\\/\\\/www.propertywire.com\\\/news\\\/expensive-housing-markets-pushing-up-loan-to-income-ratios\\\/\",\"name\":\"Expensive housing markets pushing up loan-to-income ratios - 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