Editor's note: This brief was summarised by The Property AI Newsroom from a report by Mortgage Solutions. Read the original article for full details.

High-LTV Mortgages Remain Difficult to Access, Says Family Building Society

High-loan-to-value (LTV) mortgages have returned to the UK market in 2026, but many borrowers are finding them too difficult to obtain, according to a video discussion featuring Family Building Society business development managers.

During the discussion, Neil Cadwallader and Arif Kara of Family Building Society highlighted that, while low- or no-deposit deals and higher income multiples have been introduced as part of recent mortgage market innovations, significant barriers remain for those trying to get onto the property ladder.

Cadwallader noted that the Financial Conduct Authority is encouraging lenders to review their loan-to-income limits and income multiples. However, he pointed out that recent Office for National Statistics data has reduced affordability, making it harder for borrowers to qualify for high-LTV products.

Family Building Society has increased its maximum LTV to 100% earlier this year. To qualify for these products, borrowers’ families can either allow a collateral charge to be placed on family property or deposit their savings in a secure account, both for a period of five years. This structure allows the building society to accept more applications using a flexible underwriting approach.

Despite the availability of high-LTV mortgages, Cadwallader stated that many applicants still face significant hurdles with other lenders, making it challenging to secure these products.

For letting agents and inventory clerks, the ongoing difficulty in accessing high-LTV mortgages may mean continued demand for rental accommodation, as potential buyers struggle to transition to homeownership.