Bluestone Mortgages has raised its loan-to-value (LTV) bandings, now offering mortgages of up to 90% LTV to provide increased borrowing power for customers with complex credit histories.

The lender has increased LTVs by 5% across its Clear, AAA, AA, and A product tiers. This follows a similar uplift in December, when Bluestone raised LTVs by 5% on its BBB product range.

SUPPORTING BORROWERS WITH SMALLER DEPOSITS

Mark Hollands, head of sales and distribution at Bluestone Mortgages, said the changes reflect the company’s commitment to helping those who do not fit the standard mortgage criteria.

“By increasing our loan-to-value (LTV) ratio, we’re making it easier for customers with smaller deposits to access the finance they need, helping them take that crucial step onto or up the property ladder,” he said.

“These changes provide greater flexibility and strengthen our ability to support more people in achieving their homeownership goals, particularly those who may have struggled to secure a mortgage elsewhere.”