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Habito's long-term, fixed-rate mortgage product - Habito One - has new affordability criteria for those in specific careers, and certain levels of income. It enables borrowers to get enhanced affordability, increasing their loan amount up to 7x LTI

In order to qualify:

• An applicant must be fully employed in one of the following professions: firefighters; police officers; NHS doctors, nurses and paramedics; teachers in the public sector; accountants; lawyers; barristers; civil engineers; dentists; architects; surveyors and vets AND earn a minimum of £25,000

• OR...earn a minimum of £75,000 in any profession

• In joint applications, only one borrower will be eligible for 7x LTI, the other will be able to borrow up to 5x LTI

• The product must have a fixed rate for between 10 and 40 years

• For those that don’t qualify, they could still be eligible for Habito One long-term fixed mortgage, but lending will be limited at 5x LTI